Questions about
Marketplace Plans?

Call now! (810) 984-1373

Here are the "life events" that could qualify
you for a special enrollment period.

Call now! (810) 984-1373

  • Change in marital status / legal separation
  • COBRA ends
  • Losing parent coverage
  • Losing employer group coverage

Here are the "life events" that could qualify
you for a special enrollment period.

Call now! (810) 984-1373

  • Loss of student health plan
  • Moved out of coverage area

Here are the "life events" that could qualify
you for a special enrollment period.

Call now! (810) 984-1373

  • Birth / Adoption / Legal Guardianship
  • Loss of Medicaid and Children's Health Insurance Plan (CHIP)
  • Dependency change due to court order

Questions about
Marketplace Plans?

Call now! (810) 984-1373

It doesn’t cost any more to have a personal, independent health insurance agent…it pays!

Supplemental plans help fill the gaps of your primary policy.

We can help figure out if any are right for you…

Individual Specialty Products

Combining these policies with your personal health insurance can put you in a superior financial position in a health crisis.

  • Personal Accident Insurance

    personalaccidentPersonal Accident Insurance covers your expenses from an accident with a lump sum payment, a daily or monthly amount or a payment for loss of life from an accident. Several types of policies supplement an insurance program. Often, accidental death and dismemberment is an inexpensive form of personal accident insurance.

  • Critical Illness Insurance

    Critical dollarCritical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

  • Short Term Health Insurance

    Short Term Health Insurance is an affordable option to cover the gap when you find yourself between traditional health insurance plans. Perhaps you had a change in employment or another life change that left you without health insurance. If so, Short Term Health might be the right option for you. These plans can offer you up to 6 months of coverage and help get you by until other options may become available.

  • Travel Insurance

    Go the extra step to protect yourself when traveling abroad with Travel Insurance. People often don’t realize that their medical insurance plans have little to no coverage for incidents outside the country. If you or someone you love is traveling abroad, please strongly consider protecting yourself with Travel Insurance.

Supplemental Policies

If your on Medicare, the supplemental plans below will help ensure your protected.

  • Hospital Indemnity Insurance

    images-9Hospital Recovery Insurance is designed to pay you, or someone you designate, a cash benefit upon discharge from a hospital stay and assist you in the recovery phase following a hospital stay.

  • Long Term Care

    nursing-home-accidentLong-term care goes beyond medical care and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time. You can receive long-term care in a nursing home, assisted-living facility, or in your own home. Though older people use the most long-term care services, a young or middle-aged person who has been in an accident or suffered a debilitating illness might also need long-term care.

Income Protection (individual/business)

The plans below help to ensure you are protected financially in case of injury or disability.

  • Individual Disability Income Insurance

    wheelchairShort term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job. Typically, long-term disability insurance can be purchased to replace 50-70% of salary. Some employers allow employees to purchase extra insurance from the same company, sometimes raising the total to 80%.

  • Business Disability Overhead Expense

    office front deskBusiness Overhead Expense (BOE) disability insurance pays the insured’s business overhead expenses if he or she becomes disabled. A BOE policy pays a monthly benefit based on actual expenses, not anticipated profits.

*Some information in this video may be outdated, but many of the principles are timeless and worth watching.

Call us with any questions you may have.

Hospital Recovery Insurance with LifeSecure

Travel Insurance with IMG

Serving the residents of the beautiful Blue Water Area and the Thumb since 1978…

Call Now For Your Appointment