Services
A Complete Suite of Protection
Health coverage is the foundation, but rarely the whole answer. We combine products so the gaps in one are covered by another — comprehensive protection built to your budget.
Service 01
U 65 Underwritten Health Insurance
Underwritten health plans are designed for healthy individuals, families and small business owners under age 65 who earn too much to receive a government marketplace subsidy. Because these plans are medically underwritten, premiums are based on your actual health profile rather than a community-rated pool — which frequently means substantially lower monthly costs than an unsubsidized marketplace plan.
Best for: self-employed professionals, small business owners and families under 65 in reasonably good health who receive no tax credit.
Key benefits
- Premiums priced on your own health, not a community pool
- Choose your deductible, coinsurance and out-of-pocket maximum
- Large national PPO networks available in most service areas
- Coverage for doctor visits, hospitalization, labs and prescriptions
Service 02
Accident Insurance
Accident insurance pays a fixed cash benefit when you are injured — for emergency room visits, fractures, dislocations, ambulance transport, imaging and follow-up care. The benefit is paid directly to you, not to the hospital, so you can apply it wherever it is needed most: your deductible, your rent, or the payroll you still have to make while you recover.
Best for: tradespeople, contractors, active families and anyone carrying a higher deductible health plan.
Key benefits
- Lump-sum cash paid straight to you
- Pairs well with a higher-deductible health plan
- No network restrictions on where you are treated
- Affordable premiums for individuals and families
Service 03
Critical Illness Insurance
A serious diagnosis brings costs your health plan was never designed to cover — travel to a specialist, home modifications, childcare, and the income you lose while you are treated. Critical illness insurance pays a lump sum upon diagnosis of a covered condition such as heart attack, stroke, cancer, major organ failure or end-stage renal disease.
Best for: primary earners and business owners who need financial stability if a major diagnosis interrupts their work.
Key benefits
- One tax-advantaged lump sum on covered diagnosis
- Use the money for anything, medical or not
- Benefit amounts tailored to your income and obligations
- Family coverage options available
Service 04
Income Protector Insurance
If you are self-employed, there is no employer short-term disability plan behind you. Income Protector coverage replaces a portion of your monthly earnings when illness or injury keeps you from working, so your mortgage, business obligations and household expenses stay current while you recover.
Best for: self-employed individuals, 1099 contractors and owner-operators with no employer disability benefits.
Key benefits
- Monthly benefit sized to your actual income
- Choose your elimination period and benefit duration
- Coverage for both illness and injury
- Keeps a business running during an owner's recovery
Service 05
Dental & Vision Insurance
Most major medical plans exclude routine dental and vision care entirely. Standalone dental and vision plans cover cleanings, exams, fillings, crowns and major services, along with annual eye exams and an allowance toward frames, lenses or contacts — the everyday care families actually use each year.
Best for: families and small business owners who want predictable everyday care costs.
Key benefits
- Preventive cleanings and exams typically covered in full
- Coverage for fillings, crowns and major dental services
- Annual eye exam plus frames, lenses or contact allowance
- Individual, family and small group options
FAQ
Answering Your Questions
The three questions we're asked most often, answered honestly.
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Tell us which coverage you're considering and we'll build options across multiple carriers — free, with no obligation.
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