You don’t have to figure it out alone! The easiest way is to let us do the heavy lifting. Everyone’s life, family, and business needs are a little different, so we recommend a quick, zero-pressure conversation with one of our advisors. We’ll look at what you’re looking to protect, talk through your budget, and map out the options that give you the strongest safety net. Just click any of our "Get a Quote" buttons to get started, and we'll help you find that perfect fit.

Because we specialize in life, health, disability, and Medicare, coverage depends on the specific type of policy you have:

- Health Insurance: You can absolutely add your spouse and eligible dependents to your plan during open enrollment or a qualifying life event (like marriage or having a baby).

- Life Insurance & Disability: These plans are written specifically for you to protect your income, but your family is protected as your named beneficiaries—meaning they receive the financial support if something happens to you.

- Medicare: Medicare plans are strictly individual, meaning spouses must have their own separate policies. We want to make sure your loved ones have the exact protection they need. If you'd like to add a family member to your health plan or update the beneficiaries on your life policy, just let us know and we’ll take care of it for you!

We always recommend filing your claim as soon as possible after an event occurs so our team can get to work for you right away. The timeline for processing depends on the type of plan you have:

- Health Insurance & Medicare: Most medical providers handle this paperwork directly at the time of your visit. If you need to submit a claim manually, most major health networks require it to be filed within 90 to 180 days of your service date.

- Short-Term Disability: You should file your claim as soon as your doctor establishes that you need to miss work due to an illness or injury. Most plans have a short waiting period (usually 7 to 14 days) before benefits begin paying out.

- Life Insurance: Beneficiaries can file a claim immediately after a passing. Once we receive the completed paperwork and an original death certificate, most straightforward claims are processed and paid out within 14 to 60 days.

Want to speed up the process? The best way to ensure a fast turnaround is to have all necessary documentation—like medical receipts, physician statements, or identification—ready when you file. Reach out to our dedicated support team today, and we will walk you through the steps to get your claim submitted seamlessly!