Nine lines, one desk
Everything we place, and what each one is for
We are independent and multi-carrier, so the answer to 'which line do I need' is never decided by what we happen to sell. Here is the whole shelf, grouped by who usually asks.
- Coverage lines
- 9
- Carriers on the panel
- 18
- Cost to you
- $0
For employers
Employer and protection
Lines an employer buys, plus the protection products that usually sit alongside them.
Group employee benefitsMedical, dental, vision, life and disability for 2 to 500 employees, quoted from a census across every carrier we hold an appointment with.Open the detail 
Life insuranceTerm, permanent and employer group life, sized against the obligations that would actually remain if someone did not come home.Open the detail 
Critical illness and supplementalAccident, hospital indemnity and critical illness policies that pay cash directly to you, sized against a real deductible rather than sold as a catch-all.Open the detail
For people on Medicare
Medicare
The three Medicare decisions, in the order people actually face them.
Medicare AdvantagePart C plans that bundle hospital, medical and usually drug coverage into one carrier network, often with dental, vision and fitness extras.Open the detail 
Medicare SupplementMedigap policies that pay the gaps Original Medicare leaves, with any provider that accepts Medicare and no network to check.Open the detail 
Part D drug plansStandalone prescription drug coverage, chosen against your actual medication list rather than against the monthly premium.Open the detail
For households under 65
Individual and family
What you buy when there is no employer plan behind you.
ACA MarketplaceOn-exchange individual and family plans with advance premium tax credits, plus the off-exchange options that sometimes price better.Open the detail 
Self-employed healthCoverage built for 1099 income: variable earnings, no HR department, and a tax deduction most people underuse.Open the detail 
Dental, vision and hearingStandalone and employer-sponsored ancillary cover, where annual maximums and waiting periods matter more than the monthly premium.Open the detail
Carrier panel
We represent the whole market, not one company
Eighteen carriers on the panel, and no contract that makes us prefer one.
Alderway HealthNorthreach MutualVireon Health PlansSteadhaven LifeQuillon DentalBrookfern VisionHarborlight Benefit Co.Cresswell MutualTallgrass Health AllianceOrrindale AssuranceWrenfield Dental & VisionLumenbrook SupplementalFairmount Health GroupSilverbeck AssuranceElmgate VisionPinegrove DentalRavenwood MutualCastellon Health Partners
Not sure which line you are looking at?
Four questions and we point you at the right desk. Employers can send a census at the same time.
Independent and multi-carrier. $0 cost to work with us. No pressure scripts.