Frequently Asked Questions

Being independent means we are not tied to one insurance company. We compare plans across multiple carriers and focus on what fits your needs — not quotas. Recommendations are based on providers, prescriptions, costs, and long-term suitability.

Most people enroll during their Initial Enrollment Period, which begins three months before the month they turn 65 and ends three months after. If you’re still working and have employer coverage, your timing may be different. Missing enrollment windows can result in penalties or coverage delays. We help you determine your correct timeline based on your situation.

Short-term plans can be more affordable and helpful in temporary situations, but they are not ACA-compliant and often exclude pre-existing conditions. They are best used strategically, not as a permanent solution. We review your risk exposure before recommending this path.

No. Life insurance can provide income replacement, cover final expenses, support estate planning, or help transfer wealth to heirs or charities. Some permanent policies also offer living benefits. The right structure depends on your goals and stage of life.

Yes. Fee-based consulting is available if you want advice-only support. This is helpful for second opinions, plan reviews, or retirement healthcare planning discussions without product implementation.