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Health Insurance, also referred to as medical insurance or healthcare insurance – refers to insurance that covers a portion of the cost of a policyholder’s medical costs. How much the insurance covers – and how much the policyholder pays via copays, deductibles, and coinsurance – depends on the details of the policy itself, with specific rules and regulations that apply to some plans. 

If you want to shop plans yourself use these user friendly sites. If you need any assistance, please reach out to me. 

Shop Affordable Care Act plans here 

Shop Medicare plans here

Final expense is a smaller permanent life insurance policy typically intended to help older adults cover funeral costs and other end-of-life expenses. Since coverage amounts are lower than other types of life insurance, like term or permanent insurance, the premiums for a final expense policy tend to be affordable.

There are three major types of whole life or permanent life insurance—traditional whole life, universal life, and variable universal life, and there are variations within each type. 

Mortgage protection insurance is a type of life insurance that covers your mortgage payments if you die prematurely. You may need it if anyone relies on you for housing, but most people find a term life insurance policy offers more affordability and covers more expenses.

An annuity is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life.