We're independent, so we compare plans from multiple carriers and explain them in plain English. Here's what we help families with.
Self employed, between jobs, or just want better options than your employer offers? We help individuals and families find coverage around their doctors, prescriptions and budget.
Plans for one person or the whole household, with networks and deductibles chosen around how you actually use care.
Coverage that moves with you when you work for yourself, with options to fit uneven income.
Send us your doctors and medications and we'll look for plans that include them before you apply.
Need Medicare or an ACA Marketplace plan? We'll connect you with a licensed specialist on our team. Plan types and availability vary by state, and some plans may not cover pre existing conditions.
Supplemental plans pay benefits for specific events, often straight to you, so a hospital stay or accident doesn't drain your savings.
Cleanings, fillings and bigger work, with plans for individuals and families.
Eye exams, glasses and contacts at a lower cost.
Cash benefits after covered injuries, from ER visits to follow up care.
Lump sum or daily benefits for covered hospital stays and serious diagnoses.
Life insurance replaces income, pays off debts and gives the people you love time to grieve without money stress. Some policies can also build cash value over time.
Coverage for a set number of years, like 10, 20 or 30. A simple way to protect your family while the kids are home and the mortgage is open.
Permanent coverage with level premiums and guaranteed cash value that grows over time.
Smaller whole life policies designed to cover funeral costs and final bills, often with simplified health questions.
Permanent coverage with cash value linked to a market index, with a floor that helps protect against losses. Flexible premiums.
| Term | Whole life | Final expense | IUL | |
|---|---|---|---|---|
| How long it lasts | 10 to 30 years | Lifetime | Lifetime | Lifetime, if funded |
| Builds cash value | No | Yes, guaranteed | Yes, small | Yes, index linked |
| Typical cost | Lowest | Higher | Low to moderate | Moderate to higher |
| Best for | Income replacement while family depends on you | Lifelong protection and guarantees | Funeral costs and final bills | Protection plus long term cash value growth |
Features and guarantees vary by product and carrier and are subject to the terms of the policy. Indexed products are not investments in the stock market; index crediting is subject to caps, participation rates and fees. Policy loans and withdrawals reduce cash value and the death benefit.