Coverage Options

Every plan, explained
in plain English

No jargon. No confusion. Here's exactly what each type of coverage does, who it's for, and what it costs — so you can make a confident decision.

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Medicare Plans
01
Medicare Plans

Navigate Medicare
with confidence

Medicare is essential coverage — but it was never designed to be simple. Parts A, B, C, and D. Supplements. Advantage plans. Open enrollment windows. It's a lot. We walk you through every option and help you build the plan that makes sense for your health and your budget.

What we help with
  • Medicare Supplement (Medigap) Plans — Plans A through N compared
  • Medicare Advantage (Part C) — understanding network restrictions and out-of-pocket maximums
  • Prescription Drug Coverage (Part D) — finding a plan that covers your medications
  • Enrollment timing — avoiding late enrollment penalties
  • Annual review — updating your plan as your needs change
$0
Our Medicare guidance is completely free. We're compensated by the carrier, never by you. No hidden fees, ever.
Get Medicare Guidance
Term Life Insurance
02
Term Life Insurance

Protect your family
affordably

Term life insurance is the most straightforward way to ensure your family is financially protected if something happens to you. You choose a coverage amount and a term length — and if you pass away during that term, your beneficiaries receive a tax-free lump sum payment.

What's included
  • 10, 20, and 30-year term options
  • Coverage from $50,000 to $2 million or more
  • Level premiums — your rate never increases
  • No medical exam options for qualifying applicants
  • Convertible term options available
  • Same-day approval available with select carriers
$15+
Starting per month for healthy adults. A 55-year-old male can get $250,000 in 20-year term coverage for approximately $28/month.
Get a Life Insurance Quote
Final Expense Insurance
03
Final Expense Insurance

Give your loved ones
a gift of peace

The average funeral in the United States costs $8,000–$12,000. Add in medical bills, outstanding debts, and legal fees, and the financial burden on your family can be significant. Final expense insurance — also called burial insurance — ensures they never have to worry about that.

Plan features
  • $5,000 to $35,000 in coverage
  • Whole life — never expires as long as you pay premiums
  • No medical exam required
  • Guaranteed acceptance options (no health questions)
  • Benefits paid directly to your named beneficiary
  • Cash value builds over time
$30–50
Typical monthly cost for most applicants. A 65-year-old woman can get $15,000 in coverage for approximately $38/month.
Get a Final Expense Quote
Supplemental Coverage
04
Supplemental Coverage

Fill the gaps
before they cost you

Even with good health insurance or Medicare, there are gaps — deductibles, co-pays, out-of-pocket maximums, lost income during recovery. Supplemental coverage pays cash directly to you when you need it most, helping prevent a health event from becoming a financial crisis.

Coverage types
  • Hospital Indemnity — daily cash for hospital stays
  • Critical Illness — lump sum if diagnosed with cancer, heart attack, or stroke
  • Accident Coverage — cash for injuries, ER visits, and recovery
  • Cancer Insurance — comprehensive coverage for treatments and recovery
  • Short-Term Income Replacement — when illness or injury keeps you from working
Varies
Supplemental plans are highly customizable. Many plans start at $20–$50/month depending on coverage type and benefit amounts.
Explore Supplemental Plans
Next Step

Not sure which coverage
is right for you?

That's exactly why we're here. Tell us your situation and we'll help you figure out what you actually need — and what you don't.

Talk to an Advisor