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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!

Life Insurance

From trusted carriers, life insurance protects You and the people and things you love

  • Security: In the event of your death life insurance coverage protects any people or organizations relying on your income.
  • Flexibility: Different types of life insurance plans, whether term, return of premium term, universal life, indexed universal life, whole life, or final expense insurance, offer the right fit to meet your needs and budget.
  • Living Benefits: Plans can include affordable (or even no cost) living benefits features to help provide you income in the event of critical, chronic, or terminal illness or even disability, especially when buying separate stand-alone policies to cover these kinds of events is not financially feasible.
  • Gifting: You can purchase a low-cost life insurance policy for a child or grandchild and give it as a gift on a special occasion like a birthday or holiday.
  • Value: With a range of premiums and plans, life and final expense insurance can be an extremely affordable part of your estate planning.
  • Plans for People of Almost Any Age: Depending on the type of policy needed, plans can be purchased for newborns up to and including Medicare beneficiaries.

Things To Keep In Mind About Life Insurance

Here are five things you may not know about life insurance. Click here to see this short video, and in 30 seconds you'll be that much smarter!

How Much Life Insurance Do I Need?

This calculator provided by AIG is a tool that you can use to determine how much life insurance you may need. Once you use the calculator and decide how much list insurance you need (considering the results produced by the calculator as input as you make your decision) you can call us at 877-734-3884 or request a quote by clicking the Get Rates & Plans Now box above and entering your information in the appropriate Life Insurance quote request form.

2020 Schedule
Affordable Care Act Open Enrollment

Open Enrollment began November 1, 2019 and ended December 15, 2019
on the federal facilitated marketplace for plans to start January 1, 2020.

Before the next open enrollment period starts you can only enroll
for an Affordable Care Act plan if you have a qualifying life event.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2020 Schedule
Medicare Annual Enrollment Period

Annual Enrollment began October 15, 2019
and ended December 7, 2019 for a January 1, 2020 enrollment.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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