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Request An Affordable Care Act Quote!
Call today for quotes on health insurance for
or any other type of health or life insurance!

877-734-3884 (TTY: 711)

All Other:
786-970-0740 (CELL)


Life Newsletter - April 2024




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The following was written by Usman Mukhtiyar for the Insure Guardian blog on March 18.

Yes, grandparents can purchase life insurance for their grandchildren. Life insurance can be an excellent way for grandparents to provide financial security for their grandchildren’s future. By purchasing a life insurance policy, grandparents can help ensure that their grandchildren will have financial resources in the event of their untimely death.


When purchasing life insurance for grandchildren, grandparents typically have two options: purchasing a permanent life insurance policy or a term life insurance policy. Permanent life insurance policies are designed to provide lifelong coverage, while term life insurance policies offer coverage for a specified period.

When considering purchasing life insurance for grandchildren, grandparents should consider the financial needs of their grandchildren, including the cost of education, future expenses, and potential medical bills. They should also consider their own financial situation and how much they can afford to pay for the policy.

Buying life insurance for grandchildren is a great way to ensure their grandchildren’s financial security and provide peace of mind to both the grandparents and parents. Before purchasing a policy, grandparents should carefully consider their financial situation and their grandchildren’s future needs to determine the best type of policy for their situation.

You can obtain more information by calling us at 786-970-0740.


Have you ever wondered, “Is there a time limit to challenge a will?” It’s a big question, especially if something about a loved one’s will doesn’t seem right. Whether it involves

doubts about the will's fairness, questions about how the will was made, or other issues, knowing how long you have to speak up is extremely important.


Let’s examine the key points to know about contesting a will.


The following was written by the Financial Talker and posted on the Mintco Financial blog on March 19.

Annuities are getting more and more popular among seniors, and for good reason.

Annuities are not right for everyone but are a real blessing for many seniors.

Annuities are a popular choice for investors who want to receive a steady stream of income in retirement. The income you receive from an annuity can be distributed monthly, quarterly, annually or even in a lump sum payment.

A general definition is “a contract between a life insurance company and an investor, which provides savings for retirement while enjoying the benefits of tax-deferred growth.”

Read more to learn more about the differences between fixed, fixed indexed, and variable annuities and the advantages and disadvantages of buying an annuity. The blog specifically mentions Suze Orman and her praise of fixed indexed annuities.

About Paul Cholak

Paul has over forty years of benefits experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms. He understands the life and health insurance needs of individuals and families of all ages. He also has considerable experience in selling life and health insurance to employer groups.

He guides you through the steps of getting insurance and is available to help you both BEFORE and AFTER you've made your purchase decision.
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Schedule For 2024
Affordable Care Act Enrollment

Affordable Care Act open enrollment for 2024 plans began November 1, 2023 and ended January 16, 2024 on the Federal Facilitated Marketplace (

You’re eligible to enroll ONLY if you have a Qualifying Life Event.
There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

2024 Annual Enrollment Period For Medicare Eligibles

The Annual Enrollment Period for Medicare-eligibles that ran from October 15 through December 7, 2023 for a January 1, 2024 effective date has ended.

You’re eligible to enroll now ONLY 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 separate Medicare drug coverage (Part D).

Call us at 877-734-3884 (TTY: 711) 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-eligibles. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare-eligibles 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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