Clear Answers, Confident Choices

We offer a variety of health insurance plans, including:

• Individual and Family Plans: Tailored to meet the needs of individuals and families.

• Employer-Sponsored Plans: Group plans for businesses of all sizes.

• Medicaid and Medicare Advantage Plans: For eligible low-income individuals and seniors.

• Short-Term Health Plans: Temporary coverage for transitional periods.

Obtaining a free quote is simple:

1. Visit our Get Your Free Quote page.

2. Complete the brief form with your details.

3. One of our licensed agents will contact you to discuss personalized options.

Several factors influence your premium, including:

• Age: Older individuals may face higher premiums.

• Location: Premiums may vary by state.

• Tobacco Use: Smokers often pay higher premiums.

• Income: Lower-income individuals may qualify for subsidies under the Affordable Care Act.

The ACA, also known as "Obamacare," is a federal law aimed at making health insurance more affordable and accessible. It provides subsidies for low- to moderate-income individuals and families and mandates that most Americans have health insurance.

Open Enrollment for 2025 runs from November 1 to January 15. Plans selected by December 15 will start on January 1, 2025; those selected after December 15 will begin on February 1, 2025.

We provide several life insurance options:

• Term Life Insurance: Coverage for a specific period (e.g., 10, 20, or 30 years).

• Whole Life Insurance: Permanent coverage with a cash value component.

• Universal Life Insurance: Flexible permanent coverage with adjustable premiums and benefits.

• Variable Life Insurance: Permanent coverage with investment options.

A common rule of thumb is to have coverage equal to 10 times your annual income. However, your needs may vary based on factors like:

• Outstanding debts: Mortgage, car loans, credit cards.

• Dependents: Spouse, children, or other dependents.

• Future expenses: College tuition, retirement savings.

Many term life policies offer a conversion option, allowing you to switch to a permanent policy without a medical exam. Check your policy details or consult with one of our agents to explore this option.

A beneficiary is the person or entity you designate to receive the death benefit from your life insurance policy. It's important to review and update your beneficiaries regularly.

Applying is straightforward:

1. Contact us to schedule a consultation.

2. Complete the application form.

3. Undergo a medical examination, if required.

4. Await approval and policy issuance.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, and for some younger individuals with disabilities. It consists of several parts:

• Part A: Hospital insurance.

• Part B: Medical insurance.

• Part C: Medicare Advantage Plans (offered by private companies).

• Part D: Prescription drug coverage.

You can enroll during the Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. If you miss this window, you may have to wait for the General Enrollment Period (January 1 to March 31) and may incur late enrollment penalties.

As of 2025, Medicare Part D has a coverage gap, commonly known as the "donut hole." After reaching a certain spending threshold, you may pay a higher share of prescription drug costs until you reach the catastrophic coverage phase.

Original Medicare offers flexibility in choosing healthcare providers but may require additional coverage (like a Medigap policy) and has no cap on out-of-pocket costs. Medicare Advantage plans often include additional benefits like dental and vision coverage and have an out-of-pocket maximum, but may have more limited provider networks.

An annuity is a financial product that provides a series of payments made at equal intervals. It's often used as a way to provide a steady income stream, typically for retirees.

We offer several types of annuities:

• Fixed Annuities: Provide regular, guaranteed payments.

• Variable Annuities: Payments vary based on the performance of investments chosen by the holder.

• Immediate Annuities: Begin payments almost immediately after a lump sum is paid.

• Deferred Annuities: Payments begin at a future date.

Payouts depend on factors such as:

• Type of annuity: Fixed or variable.

• Amount invested: The initial lump sum.

• Payout option: Single life, joint life, period certain, etc.

• Age and gender: Life expectancy considerations.

Yes, annuities are subject to taxation. The earnings portion of your annuity payments is taxable as ordinary income. However, the principal portion is not taxed since it was made with after-tax dollars.

To apply:

1. Contact us to discuss your retirement goals.

2. Choose the type of annuity that fits your needs.

3. Complete the application process.

4. Fund the annuity with a lump sum or through a series of payments.

Yes, our licensed agents are available across all 50 states, ensuring you receive expert assistance wherever you are.

To ensure a productive conversation, please have the following information available:

• Personal details (name, age, address).

• Current insurance policies (if any).

• Medical history (for health-related plans).

• Financial goals (for life insurance or annuities).

Absolutely. All our agents are fully licensed and undergo regular training to stay updated with the latest insurance products and regulations.

We stand out by offering:

• Tailored Solutions: Customized plans that fit your unique needs.

• Expert Guidance: Licensed agents who listen and understand your goals.

• Tech-Forward Tools: Online tools to compare plans, manage documents, and schedule appointments.

• Nationwide Support: A team ready to assist you, no matter your location.