I have been a licensed insurance professional since 2005. I specialize in life and health insurance, offering a variety of products for individuals, small businesses, and seniors. I also offer dental, vision, life, disability, critical illness and long term care insurance. As a broker, I represent multiple carriers in a variety of states. I understand that one plan or one company does not fit all. I consider YOUR personal needs and budget before making a recommendation. You can expect my sincere and honest opinion when evaluating your needs. I am dedicated to changing your opinion of this industry. It’s not about selling, but helping solve problems.
I specialize in helping small to mid-size businesses with employee benefit packages from all the major carriers. My team and I take the time to evaluate your budget, needs, and employee retention goals; offering a variety of solutions: Medical – Fully Insured, Level Funded, & Self-Funded options Dental Vision Life Disability Retirement plans. We can write these stand-alone or help you customize an employee benefit program to help you retain valuable employees. Group coverage can be quoted anytime throughout the year, as long as participation and contribution qualification levels are met.
I offer a variety of health insurance solutions, on and off exchange in multiple states. This means we can check to see if you qualify for a tax credit eligible plan (on exchange) that can reduce how much you pay each month. Certain incomes will qualify for cost share reductions – which lower out of pocket costs (deductibles, copays, and out of pocket maximums). Premiums are based off of your tax household size and taxable income. We can explain open enrollment dates and the various qualifying events that allow you to enroll throughout the year.
I can explain how the Medicare program works- from the basics to complex situations. I can help with Medicare Supplements, Medicare Advantage plans, and Part D RX Plans. I represent several carriers and I will evaluate your needs to help find a plan that will fit your needs and budget.
I have access to over 85 carriers and I can help you find a life insurance product to best fit your needs and budget. I will analyze your needs and health assessment to make recommendations, explaining the different types of products available. I can help individuals and small businesses with term, permanent, indexed universal life, key-man, and buy-sell policies.
I offer a variety of income protection products that will PAY YOU set per occurrence dollar amounts. These types of policies should be used along side health insurance and they will put money in YOUR POCKET to help cover your out of pocket costs. Plans are similar to Aflac.