Get a Health Insurance Plan That Fits Your Needs!

Finding health insurance doesn't have to be difficult. If you’re under the age of 65 and looking for BEST medical coverage, it's important to know, you have options. Good News, we have access to hundreds of plans and will work to find the right choice based on your unique healthcare needs and budget.

Individual, Family, and Group Health Insurance Options

Exchange Health Insurance Plans (Affordable Care Act - ACA - Marketplace)

If your household income is between 150% and 400% of the FPL (Federal poverty level), you may qualify for subsidized premium cost and improved benefits.

If unable to qualify for a subsidy but wish to enroll based on healthcare needs you may choose to purchase for the full premium. We only work with the carriers you know and trust that utilize.

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Short-Term Medically Underwritten Health Plans

Short-Term medical plan can help if recently lost coverage, in between jobs or waiting to go onto Medicare. Plans offer enrollment flexibility 12 months of the year and in some cases coverage can begin the next day. They allow cancellations without penalty as well as more customization within your plan. Plan terms are limited 1-3 months.

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“First Dollar” Medically Underwritten Health Plans

A “first dollar” benefit plan pays a set, predetermined amount before you pay for each service. If benefit exceeds billed amount, the consumer receives money back. This occurs >85% of the time.

No deductibles or co-pays for outpatient services and provides comprehensive coverage to protect your financial well-being. Flexibility to sign-up anytime. These plans can be the most affordable option, saving customers hundreds of dollars each month compared to plans through the ACA/marketplace or in many cases through your employer.

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Are You Looking For A To Offer Benefits To Your Employees?

We have the nation’s largest carrier selection for group health insurance!

Contact us to learn our strategic approach to a cost-effective package that employees can be proud of. We have options for businesses with as few as 2 employees, customized to fit both your needs and budget. For midsize to large groups, we offer state of the art employee benefit packages, offering fully funded, level-funded, and self-funded plans, with endless voluntary benefits to ensure your employees receive the most comprehensive plan!

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Life Insurance, Critical Illness, Accident benefits, Annuities

Remember: You can't get life insurance once you need it. Protect your loved ones with our life insurance policies

Term Life Insurance

Pay for a specified length of time or term – generally 1 to 30 years. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries.

Whole Life Insurance

A policy you own for a lifetime. Premiums are fixed. As premiums are paid, your policy accumulates value on a tax deferred basis. Although cost is higher than a term life policy, equity is gained.

Universal Life Insurance

An insurance with the potential to accumulate a cash value and additional features and options, such as the freedom to borrow against this cash value for any purpose.

Final Expense Insurance

Designed for expenses after you’re gone. It helps provide money for your family or beneficiaries that may be needed to pay medical bills, funeral expenses, legal fees or unpaid bills.

Critical Illness Benefit

Critical Illness benefits is reduce the financial stress. Paying a cash benefit directly to the client, upon the diagnoses of a covered condition. Benefit money can be used for anything.

Accident Protection Benefit

Accidents happen when you least expect them. In 2024, injuries or accidents were the 3rd leading cause of death and accounting for over 87% of emergency claims. You can't afford to not be covered.

Annuities

Annuities offer customizable guaranteed lifetime income, can reduce risk within your portfolio, help you save more for retirement, minimize taxes and provide legacy protection.

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