Tailored insurance for your life and health.

Disability insurance—also known as disability income insurance—provides a portion of your income if you’re unable to work due to illness or injury. It’s not tied to workplace accidents like workers’ compensation.

DVH insurance bundles supplemental plans for dental, vision, and hearing into a single, streamlined policy—offering comprehensive coverage for routine and corrective care often not included in standard medical plans.

Medicare offers the Extra Help program for low-income individuals (under ~150% FPL), which may eliminate premiums/deductibles and waive late penalties, with year-round plan changes allowed.

Final expense insurance is a small permanent life insurance policy, designed to cover end-of-life costs like funeral, burial, medical, or legal expenses. It provides a guaranteed death benefit—usually between $2,000 to $50,000—paid directly to your beneficiaries.

Hospital indemnity—which is a form of fixed-benefit supplemental insurance—provides set cash payments directly to you for hospital admissions and stays due to illness or injury. These are paid regardless of your actual medical bills.

It’s a policy that helps cover the costs of services for individuals who can no longer perform basic activities of daily living (ADLs)—like bathing, dressing, or eating—whether at home, in assisted-living, or a nursing facility.

Marketplace insurance, also known as Affordable Care Act (ACA) coverage or Obamacare, is sold through state or federal exchanges like HealthCare.gov. It’s private insurance that meets ACA requirements, as mandated by law.

It helps pay to transport you to the nearest adequate facility or, when allowed, back home in a serious emergency—often a separate or add-on benefit and strongly recommended for regions with limited care.

Medicare Part D is a voluntary prescription drug benefit available to all Medicare beneficiaries. It helps cover both brand-name and generic medications through private, Medicare-approved insurers.

Part D plans must offer MTM services at no extra cost to eligible beneficiaries with multiple chronic conditions and high drug use, helping manage medication regimens.

Short-term medical insurance, also known as temporary health insurance, provides flexible, temporary coverage—typically from 30 to 364 days—to protect you during gaps between longer-term policies.

Term life insurance provides a death benefit to your beneficiaries if you die within a set period—typically 10, 20, or 30 years. It’s designed for financial protection during high-need years, like raising a family or paying off a mortgage.

An elimination period in LTC Insurance is a waiting period (30–365 days) before the policy pays benefits. Longer elimination periods generally result in lower premiums.

If you delay enrolling without having creditable drug coverage, you’ll pay a permanent penalty—a percentage added to your premium based on how long you delayed.

Universal Life is a type of permanent life insurance that provides lifelong protection while letting you build tax-deferred cash value and adjust premiums and death benefits over time.