effective insurance solutions

Voluntary Benefits

Voluntary Insurance Benefits help cover out of pocket costs that major medical plans don't cover such as high deductibles, RX, co-pays, coinsurance, living expenses.  Supplemental Insurance Pays CASH Benefits to the beneficiary. Accident, Critical Illness, Cancer, Short Term Disability, Long Term Disability, Term Life, Whole & Universal Life, Hospital Confinement, Dental.

Medicare & Medicare Advantage, Supplemental

We offer help and support for people just qualifying for Medicare or that currently have Medicare and want to look at a new plan such as Medicare Advantage, Part D Drug Plans, Medigap Supplemental Insurance. We assess your current plan and needs then guide you through all the available plans in your service area that may be more affordable and a better fit. Plans change year to year and so do people's needs. We never charge for any of our services. We will get you enrolled in the plan of your choice that suits you the best. We service 12 states as listed below. Contact us via contact form or the toll free number for no cost help.

Retirement

Ask us about a better option than your 401K, Life, IRA, Pension Plan and most any other retirement option. Options with built in living benefits like critical and chronic care, ability to draw down as retirement income supplement, tax free death benefit, long term care option, guaranteed floor (no risk loss), tax free loans & withdrawals, never loses value. Traditional retirement portfolios can have potentially huge losses that can take many years to recover from. 

Certified Washington Healthplanfinder Broker & Federal Marketplace (FFM)

We are a certified Broker for the Federal Marketplace Exchange and  the Washington Health Plan Finder. We help consumers navigate insurance benefit options offered on the Federal Exchange as well as The Washington State Exchange by finding income based tax credits that may be available to lower your insurance premiums We help you find a plan that meets your needs, help you understand how tax credits can lower the cost of premiums. We help our customers find and enroll in plans that meet the customers specific needs such as covered prescriptions and providers.

Serving Alaska, Arizona, Idaho, Ohio, Oregon, Michigan, Montana, Nebraska, New York, South Carolina, Tennessee, Texas, Virginia and Washington State.

Health, Voluntary, Dental & Vision for Individuals & Families.

Dental & Vision Plans for Individual, Family, Small and Large Group. Employer sponsored plans and Voluntary Plans. 

Ask us about dental plans with rollover benefits.

Hospital Indemnity Plans Who Needs One?

Hospital Indemnity Plans, who needs one? How can they help and what do they pay? Find out more about hospital indemnity plans. Contact us today.