We will give you an accurate quote and let you know how much your monthly cost is and how much it will cost you for your hospital and doctor visits. No surprise bills!

We will explain your plan in detail and have patient advocates available to help you every step of the way. No surprises!

Yes, you can keep your same doctor! If your doctor is in network, you will see bigger savings. If they are not in network, your bill will be paid according to the plan benefits.

You will receive a credit or have a co-pay for service when you fill your prescriptions. You will know the cost upfront. No surprises!

We will review your healthcare needs and guide you on where to go and what to do when you need care. Healthcare advocates will be available to ensure you receive the best service at the best price for your city, county, and state. No surprises!

Whole Life and Term Life insurance both provide financial support to beneficiaries after the insured person's passing, but they differ significantly in structure and benefits. Whole Life Insurance offers coverage that lasts a lifetime, with premiums fixed for the duration of the policy. Many Whole Life policies also build cash value over time, which the insured can access during their lifetime. 

However, these policies generally lack flexibility, meaning coverage terms cannot be easily changed once set. In contrast, Term Life Insurance covers a specific period—commonly 10, 15, 20, or 30 years—with premiums guaranteed only for that term. Term Life policies do not accumulate cash value, but they offer more flexibility: if your coverage needs change, you can adjust the term length or coverage amount accordingly. 

This makes Term Life a straightforward and adaptable option for those seeking temporary protection, while Whole Life provides lifelong security combined with a savings component.

Term life insurance is the most affordable way to protect your family's financial security if something happens to you. It replaces your income and helps ensure that the ones who depend on you can support themselves in your absence.

Term Life insurance provides coverage for a specific period of time. Because you only pay for the coverage for as long as you need it, term insurance is considered more affordable than whole life insurance.

You can purchase term life insurance for 10, 15, 20 or 30 years. As long as you pay your premiums on time, your policy will remain active. If something happens to you while the policy is active, your beneficiary will receive a death benefit for the amount of the policy.

Many instant online quotes are not accurate because they're based on very little personal information. Your health history and a number of personal factors are utilized to produce more accurate quotes. This is why it is important to speak to a licensed professional. Different companies have different prices and also can specialize in favorable rates for different risks.