Life Insurance

Protecting What Matters Most

Life insurance isn’t just about a policy; it’s about a promise to your family that they will be taken care of, no matter what the future holds. Whether it’s replacing lost income, paying off a mortgage, funding a child’s education, or covering final expenses, the right life insurance plan provides a financial safety net when it’s needed most.

We specialize in helping you navigate the options—from affordable Term Life for immediate protection to Permanent Life policies that build cash value—so you can find a solution that fits your budget and your family’s goals.

For many people, planning also means preparing for the possibility of needing care later in life. That’s why we offer solutions that combine life insurance with long-term care benefits, allowing you to protect your loved ones while also protecting your savings from the high cost of extended care. These hybrid options provide flexibility, access to funds if care is needed, and a financial legacy if it’s not.

Health Insurance

Health Insurance, Simplified

Finding the right health plan shouldn't feel like a full-time job. Whether you are self-employed, between jobs, or your employer doesn't offer coverage, we help you navigate the complexity of the ACA Marketplace, Short Term Medical, and beyond.

We don't just find you a plan; we ensure it’s the right plan by:

• Maximizing Subsidies: Checking your eligibility for tax credits to lower your monthly premiums.

• Network Verification: Confirming your preferred doctors and specialists are covered.

• Benefit Comparison: Reviewing deductibles and out-of-pocket costs so there are no surprises when you need care.

Worksite Benefits

Strengthen Your Team Without Hitting Your Bottom Line

In today’s competitive market, a robust benefits package is your best tool for attracting and retaining top talent. Our Worksite Benefit programs allow you to offer a "Fortune 500" level benefits package at zero direct cost to your business.

Because these plans are employee-funded through simple payroll deductions, you can enhance your staff’s financial security without increasing your overhead.

• Boost Retention: Give employees a reason to stay with benefits that protect their families.

• No Admin Burden: We handle the entire education and enrollment process for you.

• Tax Savings: Many voluntary benefits can be offered pre-tax, potentially reducing your payroll tax liability.