Health & Life Insurance
Protection That Supports Your Health, Finances, and Family
Health and life insurance do more than just cover bills — they protect your peace of mind. Whether you're managing care for yourself or planning ahead for your loved ones, we’re here to make the process simple and personal. From Affordable Care Act plans and critical illness coverage to whole life insurance and final expense planning, we’ll walk you through all the options. No guesswork. No pressure. Just guidance that makes sense for your age, goals, and budget.
Health Coverage That Works for Real Life
We help individuals and families under 65 explore their health insurance options, whether through the ACA marketplace, state programs like Pennie or NJ Get Covered, or private plans.
What We Cover:
- ACA-compliant plans with preventive and prescription care
- Catastrophic and short-term coverage
- Critical illness and accident protection
- Mental health and maternity services
- Subsidy and tax credit eligibility checks
Life Insurance Built Around You
Life insurance can provide financial protection during uncertain times, help replace income, cover funeral expenses, and ensure loved ones aren’t left struggling. We offer term, whole life, final expense, children’s policies, and more.
What We Cover:
- Term life (10, 20, 30 years)
- Whole life and guaranteed issue policies
- Final expense insurance for seniors
- Child life insurance with conversion options
- No-medical-exam and simplified coverage options
Life & Health Insurance FAQs
From choosing a health plan to picking a life insurance policy, we’re here to answer your biggest questions and make the process feel manageable.
What’s the difference between ACA and private health insurance plans?
ACA plans follow federal standards and may qualify for subsidies. Private plans offer more flexibility but no premium assistance.
Do I qualify for financial help with health insurance?
Most people do! We’ll help you calculate your savings based on income and household size.
How much life insurance do I need?
That depends on your income, debts, and goals. We’ll help you find a realistic number and policy that fits.
Can I get life insurance without a medical exam?
Yes — we offer no-exam, simplified issues, and guaranteed options for fast, stress-free approvals.
What if I’m between jobs or lost my insurance?
You may qualify for a Special Enrollment Period or short-term coverage. We’ll walk you through your options today.