As a broker, I work for you — not the insurance companies — which means I can help you compare plans across multiple carriers to find the best fit and value.

Absolutely! We can review your current coverage, make sure it's still the best fit, and help you adjust or switch plans if needed—especially during open enrollment or qualifying events.

It depends on the type of insurance. Some plans begin the next day, others on the 1st of the next month. I’ll let you know what to expect.

Medicare is health insurance for People 65 or older, Certain people under 65 with disabilities, and People of any age with End-Stage Renal Disease.

The ACA is a law that helps make health insurance more affordable and accessible. It provides subsidies to lower monthly premiums for those who qualify.

Life insurance is a financial safety net for your loved ones. If something happens to you, it can help cover funeral expenses, replace lost income, pay off debts, or leave a legacy behind. If anyone depends on you financially — like a spouse, children, or aging parents — life insurance is a smart way to protect their future.

Term life insurance provides coverage for a specific period (like 10, 20, or 30 years) and is usually the most affordable option.

Whole life insurance offers lifelong coverage with a guaranteed death benefit and builds cash value over time.

IUL, or Indexed Universal Life, is a flexible permanent life insurance policy that also builds cash value — but it’s tied to the performance of a stock market index (like the S&P 500). It offers growth potential with downside protection and can be used for things like tax-free retirement income or legacy planning.

Medicare Has Four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (medicare Advantage), and Part D (Prescription Drugs).

Part A helps cover Inpatient care in hospitals, Skilled nursing facility care, Hospice care, and Home health care.

Part B Covers Services from doctors and other health care providers, Outpatient care, Home health care, Durable medical equipment, And Many preventive services. Most people pay the standard Part B premium amount.

Part C Is An “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. Plans may have lower out-of-pocket costs than Original Medicare. Most plans offer extra benefits that Original Medicare doesn’t cover— like vision, hearing, and dental services.

Part D Helps cover the cost of prescription drugs (including many recommended shots or vaccines). It’s Run by private insurance companies that follow rules set by Medicare. It May help lower your drug costs and help protect against higher costs in the future

Medicare Advantage (Part C) combines hospital and medical coverage, often with extra benefits. Supplements (Medigap) help pay out-of-pocket costs not covered by Original Medicare.

Yes, you can purchase dental and vision plans separately, and I can help you find affordable standalone options.

Yes! We’re licensed in multiple states and can help clients across the country. Just reach out!

Travel insurance can cover trip cancellations, medical emergencies abroad, lost luggage, and more depending on the policy you choose.

Yes! We believe in empowering others to succeed in the insurance industry. Whether you're just getting started or looking to grow your existing business, we offer training, mentorship, and ongoing support to help you become a successful licensed broker. Reach out to learn more about how we can help you build your career.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

Co-insurance is your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of the allowed amount for the service. You pay co-insurance plus any deductibles you owe. For example, if the health insurance or plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your co-insurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.

A copayment/copay is an amount you may be required to pay as your share of the cost for a medical service or supply, like a doctor's visit, hospital outpatient visit, or prescription drug. A copayment is usually a set amount, rather than a percentage. For example, you might pay $10 or $20 for a doctor's visit, lab work, or prescription. Copayments are usually between $0 and $50 depending on your insurance plan and the type of visit or service.

The out-of-pocket maximum is the most you pay during a policy period (usually one year) before your health insurance or plan starts to pay 100% for covered essential health benefits. This limit includes deductibles, co-insurance, copayments, or similar charges and any other expenditure required of an individual for a qualified medical expense. This limit does not have to include premiums or spending for non-essential health benefits.