Affordable Life & Health Insurance Plans
Designed to empower you and your family with access, education, and support.
Welcome to a World of Life and Health Benefits
I believe in empowering people through education and accessibility. And you will certainly find that here to protect what matters most.
Supplemental Insurance featuring LifeSecure
LifeSecure provides specialized supplemental insurance, including accident, critical illness, and hospital indemnity plans.—that pay direct cash benefits to offset out-of-pocket medical costs.
Major Medical Insurance featuring HealthSherpa
HealthSherpa is a free, CMS approved enrollment platform used by brokers to quickly quote and submit ACA Marketplace and Medicare applications
Life Insurance featuring Ethos
Ethos is a digital platform offering fast, no-medical-exam life insurance policies through top-rated carriers.
Supplemental Benefits
Why Choose Us?
Good Match for Marketplace
Why Choose Us?
LifeSecure offers supplemental insurance policies designed to help pay for out-of-pocket costs and living expenses that traditional health or life insurance may not cover. Their primary products include: Accident, Critical Illness, Hospital Indemnity, and Long-Term Care (LTC Coming soon for Individuals). Unlike our competitors (Aflac)
LifeSecure offers supplemental insurance policies designed to help pay for out-of-pocket costs and living expenses that traditional health or life insurance may not cover. Their primary products include: Accident, Critical Illness, Hospital Indemnity, and Long-Term Care (LTC Coming soon for Individuals). Unlike our competitors (Aflac) LifeSecure doesn't require a group in order to take advantage of all our products. It can be done individually and it's still more affordable. Plus we allow for bundling our accidental & critical illness with our hospital indemnity product. And you get to customize the plan according to your budget. Which saves you and your family a lot of money.
Click on the LifeSecure logo or CASH image above to APPLY.
We Pay Cash
Good Match for Marketplace
Why Choose Us?
- Accident Insurance: Pays direct cash benefits for injury-related expenses like ER visits, X-rays, fractures, physical therapy, and ambulance services.
- Critical Illness Insurance: Provides a lump-sum cash payout (typically $5,000 to $50,000) upon diagnosis of serious diseases like cancer, stroke, or heart attack.
- Hospital Indemnity Insuran
- Accident Insurance: Pays direct cash benefits for injury-related expenses like ER visits, X-rays, fractures, physical therapy, and ambulance services.
- Critical Illness Insurance: Provides a lump-sum cash payout (typically $5,000 to $50,000) upon diagnosis of serious diseases like cancer, stroke, or heart attack.
- Hospital Indemnity Insurance: Gives daily cash benefits for every day you are admitted as an inpatient to help offset deductibles and coinsurance.
- Long-Term Care (LTC) Insurance: Reimburses policyholders for formal or informal care services (like assisted living, nursing homes, or in-home care) if they are chronically ill or cognitively impaired.
Good Match for Marketplace
Good Match for Marketplace
Good Match for Marketplace
LifeSecure is a compelling match for the Marketplace because it offers flexible, cost-effective solutions designed to fill the gaps left by major medical plans.
- Financial Safety Net: These supplemental plans pay cash benefits directly to the policyholder, which can be used to cover high deductibles, copays, or everyday expenses like groc
LifeSecure is a compelling match for the Marketplace because it offers flexible, cost-effective solutions designed to fill the gaps left by major medical plans.
- Financial Safety Net: These supplemental plans pay cash benefits directly to the policyholder, which can be used to cover high deductibles, copays, or everyday expenses like groceries and rent during recovery.
- Simplified Administration: The integration of multiple coverages under one plan simplifies enrollment, billing, and claims processing, creating a more efficient experience for families.
- All plans available all year.
Pre-existing exclusions will apply.
VIDEO tutorial about LifeSecure, please click on the image above.
Major Medical Healthcare
Why Choose Us?
Why Choose Us?
Why Choose Us?
- HealthSherpa is an official partner platform used to quote, compare, and enroll in health insurance. Primarily used by consumers and licensed insurance agents, it streamlines the process of getting coverage through the Affordable Care Act (ACA) Marketplace and Medicare. Because we understand that choosing a health insurance plan can be overwhelming. That's why we offer personalized assistance and guidance to help you find the right plan for your needs and budget.
- Utilizing the latest technology to streamline the health insurance enrollment process and make it as easy as possible for our clients.
*You may qualify for a Special Enrollment Period (SEP) from Healthcare.gov. Please click on the HealthSherpa logo above to learn more.
Marketplace
Why Choose Us?
Why Choose Us?
HealthSherpa connects working Americans to an expansive network of top hospitals, clinics, and specialists across the country, ensuring premium medical care is accessible to everyone regardless of pre-existing conditions.
- Tax-Saving Subsidies: The Marketplace offers substantial premium tax credits based on household income, significantly lowering monthly plan costs.
- Comprehensive Benefits: Vision services are included in the plans through "Specialists". Dental plans can easily be added both on and off the Exchange.
- Open Enrollment Period runs from November 1 to January 15.
- Marketplace Consumer Support 855-772-2663 M-F 9am - 7pm EST
*VIDEO tutorial about the Marketplace, please click the image above.
Medicare
Why Choose Us?
Medicare
HealthSherpa connects
Medicare eligible Americans to an expansive network of health insurance carriers, ensuring essential medical care is accessible to everyone navigating their retirement years. Beneficiaries may choose:
- Medicare Advantage plans to bundle hospital, medical, and often drug coverage with wellness perks like dental, vision, and hearing.
- Prescription Drug Plan (PDP) to lower medication costs, and may be paired with Original Medicare.
- Medicare Supplement (Medigap) policy to significantly reduce out-of-pocket expenses.
- Annual Enrollment Period (AEP) is October 15 to December 7.
- Medicare Consumer Support 833-280-4303 M-F 9am - 7pm EST
*VIDEO tutorial about Medicare plans, please click the image above.
Life Insurance
Why Choose Us?
Core Legacy Building
Core Legacy Building
- 1. Speed & Extreme Convenience
10-Minute Application: The process is 100% online. Same-Day Coverage: Many applicants receive an instant decision and have an active policy as soon as they make their first payment.
- 2. No-Medical-Exam Options
Ethos fast-tracks this by offering simplified issue policies that rely strictly on online heal
- 1. Speed & Extreme Convenience
10-Minute Application: The process is 100% online. Same-Day Coverage: Many applicants receive an instant decision and have an active policy as soon as they make their first payment.
- 2. No-Medical-Exam Options
Ethos fast-tracks this by offering simplified issue policies that rely strictly on online health questions, prescription history checks, and MIB (Medical Information Bureau) data. For older applicants (typically ages 55–80), Ethos offers guaranteed acceptance whole life plans (up to $25,000) that require no medical exam and no health questions at all.
- 3. "Ladder" Underwriting System
Ethos uses a "laddering" system. Instead of a hard decline, their system automatically shifts the applicant to a different product tier (like a choice term or permanent policy) that fits their risk profile.
Please select the Ethos logo, Estate Planning image, or Handholding image to apply.
Core Legacy Building
Core Legacy Building
Core Legacy Building
Term Life Insurance
Ethos flagship product, designed primarily for income replacement, young families, and debt protection.
- Coverage Limits: From $15,000 up to $3 million (depending on age and underwriting class).
- Term Options: Highly flexible durations from 10 to 40 years.
Whole Life Insurance (Final Expense)
Geared specifically towar
Term Life Insurance
Ethos flagship product, designed primarily for income replacement, young families, and debt protection.
- Coverage Limits: From $15,000 up to $3 million (depending on age and underwriting class).
- Term Options: Highly flexible durations from 10 to 40 years.
Whole Life Insurance (Final Expense)
Geared specifically toward older adults looking to cover end-of-life costs, funeral expenses, or small debts.
- Target Demographics: Generally for applicants aged 55 to 80.
- Coverage Limits: Up to $25,000.
- Underwriting: Guaranteed Issue
Free Estate Planning Tools for your legacy
- Every active policyholder gets complimentary access to an online legal platform to create a will, trust, power of attorney, and healthcare directives.
Gift of Love
Core Legacy Building
Gift of Love
By spending just 10 minutes applying for Ethos, a person can build an immediate bridge to multi-generational wealth, ensuring children or grandchildren have a rock-solid financial foundation that's tax-free.
Legacy and Impact: Policyholders can name a favorite charity or non-profit organization as a beneficiary, transforming a simple insu
By spending just 10 minutes applying for Ethos, a person can build an immediate bridge to multi-generational wealth, ensuring children or grandchildren have a rock-solid financial foundation that's tax-free.
Legacy and Impact: Policyholders can name a favorite charity or non-profit organization as a beneficiary, transforming a simple insurance plan into a powerful vehicle to support a worthy community cause long after they are gone.
Debt Protection: The tax-free cash payout steps in to instantly wipe out outstanding mortgages, credit cards, or personal loans, preventing the painful passing of debt down to grieving family members.
Income Replacement for Non-Relatives:
The tax-free cash payout steps in to instantly replace the economic value of a key individual, allowing a non-related business partner, dependent friend, or charitable organization to maintain financial stability and carry on daily operations without disruption.
Contact ME
Let's talk about it and put the pieces together.
When it comes to protecting your future, family, finances, and focus, you've got someone whose advice is free, but feels priceless.
The Benefits Advisor
+1(517) 429-3225 All calls are recorded. Please see our Privacy Policy for further details.
