Answers to Your
Biggest Questions.

It means we're not tied to any single insurance company. We work with dozens of top-rated carriers and can shop around to find the policy that truly fits your needs and budget — unlike captive agents who can only offer one company's products.

We earn a commission from the insurance carrier when you purchase a policy — meaning our service to you is completely free. There are no hidden fees or charges from our end.

Absolutely. Most policies can be cancelled at any time and you'll receive a pro-rated refund for unused premium. We'll help you time the switch so there's no gap in coverage.

ACA (Affordable Care Act) plans are sold through the government Marketplace and may qualify for subsidies based on your income. Private PPO plans are purchased directly from carriers, often offer more flexibility in providers, and can be a better value for those who don't qualify for subsidies.

Open enrollment for ACA plans typically runs November 1 – January 15. Outside of that window, you can still enroll if you have a qualifying life event (job loss, marriage, new baby, etc.). Private plans are available year-round.

Yes. We work with small business owners to find group health plans that make sense for their team and their budget. We'll compare multiple options and help with implementation.

A common rule of thumb is 10-12x your annual income, but the right number depends on your debts, dependents, income replacement needs, and goals. We'll walk you through a needs analysis on your call to find the right number for your situation.

Term life covers you for a set period (10, 20, 30 years) and is typically more affordable. Whole life covers you permanently and builds cash value over time. Which is right for you depends on your goals and budget — we'll help you figure it out.

Yes, and bundling often saves 10-25% compared to separate policies. We'll compare bundled and separate options across multiple carriers to find what gives you the best value.

It depends on your industry, size, and risk exposure. Most businesses need at minimum general liability insurance. We'll assess your specific situation and recommend the right combination of coverages to keep you protected and compliant.