Coverage we offer
We are an independent agency, so we compare plans from multiple carriers rather than selling one company's products. Here is what each type of coverage is actually for.
Insurance only works when you understand what you bought. Below is a plain-language breakdown of the four things we help people with most often, including who each one tends to fit and who it doesn't. Availability, pricing and plan design vary by state and by carrier.
1 Health Insurance
Medical coverage for individuals and families. We work with both marketplace-style plans and private (non-ACA) options such as indemnity and short-term style products, depending on what is available in your state and what your situation calls for.
Often a fit if you
- Are self-employed, between jobs, or your employer doesn't offer coverage
- Earn too much to qualify for a meaningful subsidy
- Want broader provider access than a narrow network plan gives you
What we will tell you honestly
Private plans are not the same as major medical, and the differences matter - especially around pre-existing conditions and annual limits. We walk through those trade-offs before you decide, not after.
2 Life Insurance
A death benefit paid to the people you name. Term covers a set number of years at a lower cost; permanent coverage lasts for life and can build cash value.
Often a fit if you
- Have a mortgage, dependents, or income someone else relies on
- Want to lock in a rate while you are young and healthy
- Have coverage through work but would lose it if you left the job
How we size it
We start from your actual obligations - income replacement years, debt, education costs, final expenses - and work down to a number, rather than starting from a premium and working up.
3 Final Expense
Small whole-life policies, typically in the $5,000–$50,000 range, built to cover funeral and burial costs, medical bills and other end-of-life expenses. Underwriting is simplified and many carriers offer guaranteed-issue options.
Often a fit if you
- Are older, or have health conditions that make traditional life insurance expensive
- Want to make sure a funeral bill doesn't land on your children
- Need coverage that doesn't require a medical exam
4 Indexed Universal Life (IUL)
Permanent life insurance whose cash value growth is tied to the performance of a market index, with a floor that limits downside and a cap or participation rate that limits upside.
An IUL is a long-horizon product. If you may need the money back within the first several years, if you cannot fund it consistently, or if you have not yet maxed out simpler tax-advantaged options, it is usually the wrong choice - and we will say so. Illustrated values are projections, not guarantees, and actual results will differ.
Often a fit if you
- Have a permanent life insurance need and a long time horizon
- Are already contributing to other retirement vehicles
- Can fund the policy consistently for the long term
5 Not sure which one you need?
That is the normal starting point. Tell us your situation and a licensed advisor will walk you through it - free, with no obligation to buy anything.