I’m healthy, why do I need a plan?
Health changes! Health plans are like people, all shapes and sizes. Individual, family, self-employed or small businesses. How you solve it depends on your current health, age, gender and where you live.

Who wants life insurance? Not me. If I die, I don’t get any benefit.
True, but those who count on you will. Two categories. Term and cash value. Term is a fixed period, like 10 or 20 years with benefits designed to cover mortgage, tuition, living expenses.

What are they and why do I need them? Deductibles and Out-of-Pocket expenses are why. Developing a critical illness or having a significant accident can land you in the hospital. A stay costing thousands of dollars not covered by your health plan.

International explorer or Domestic nomad? Whether climbing the steps at Machu Picchu or cruising Route 66, travelers want peace of mind. From lost luggage, delayed or canceled flights to more drastic emergency medical transport. Protect both your wallet and your health.

What’s special about Specialty Insurance Plans? Not so mainstream and more unique needs due to lifestyle or occupation may require Specialty plans. These plans cover the types of traumatic incidents and life-changing events that can devastate a family.