FAQ

frequently asked questions

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Do you have questions about what I do, how I do it at no cost to you, who I’m appointed with & more? Here are some quick answers.

What is an independent insurance broker?

An independent insurance broker, also known as an independent insurance agent, is a licensed expert who sells insurance products from multiple insurance companies, rather than being employed by a specific insurer. This allows them to offer clients a wider range of options and more personalized coverage.

Why work with a broker?

Licensed insurance brokers can can also provide unbiased advice and help you make informed decisions. They can also help you find the best insurance coverage within your budget, save you time and money.

What services do I provide?

We offer a range of services, including helping you compare health and life insurance plans, providing guidance on the best options based on your needs, and assisting with the enrollment process. We work with multiple insurance carriers to find the right coverage for you.

Who do I service?

I work with Medicare beneficiaries and individuals & families under 65. Unfortunately, at this time, I do not work with with small businesses nor group policies.

Do we have to meet in-person?

No, I offer my services for both in-person and remote consultations! To ensure I’m able to accommodate your needs, you have multiple options to enroll. You can self-enroll, speak to me by telephone, use email, voice and/or digital signatures.

Do you charge a fee for your services?

No, our services are free to you. We are compensated by the insurance carriers when you enroll in a plan through us, so you receive expert guidance at no cost.

What types of insurance do you offer?

We offer a variety of insurance products, including health insurance (individual, family, and Medicare plans), life insurance (term, whole, and universal life), dental and vision insurance, disability insurance, and more.

What carriers are you appointed with?

Aetna, BCBS of NC, Cigna, Humana, United Healthcare, Wellcare; Mutual of Omaha, Chesapeake Life; Delta Dental of AZ and VSP.

How do I know which insurance plan is right for me?

Choosing the right plan depends on your specific needs, budget, and health situation. We can help you assess your options by comparing coverage levels, premiums, deductibles, and other factors to find the best fit.

How does the enrollment process work?

After discussing your needs and selecting a plan, we will guide you through the application and enrollment process. We handle all the paperwork and communicate with the insurance carriers on your behalf.

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Your health insurance Needs

From start to inish, let’s discuss whether or not you’re interested in qualifying for financial subsidies, your current care needs, fulfilling what matters most, to you & securing the coverage that covers you.

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