Individual Protection

Health Insurance – Choosing a health insurance plan is an important decision for you and your family. We represent top carriers, which means you have a choice of  plans and pricing. Our plans include the tax favored Health Savings Account (HSA) and wellness plans.

COBRA Decisions – By law, companies with 20 or more employees must offer COBRA to their employees when they leave the company. There are also state rules regarding continuation of coverage for companies of less than 20 employees.

Many times, people leaving a company are ill-informed about how to make a decision about election of COBRA or state continuation rights. They assume that COBRA is their only choice – even when it may be the most expensive option. We are a resource for employers and employees regarding appropriate transitions to COBRA coverage. For more information about COBRA, visit our COBRA blog.

Medicare Supplements and Prescription D coverage – We work with people who are Medicare eligible to help them learn about them many facets of Medicare and what Medicare does and does not cover. We are your resource for making Medicare coverage decisions.

Medicare Advantage Plans – Medicare Advantage plans can both include medical and prescription coverage. They are also available as medical plans only so you can choose a different Part D plan. Let us help you navigate the options for Medicare Advantage Plans.

Long Term Care coverage – The Governor of Ohio has launched his "Own Your Future" campaign, to inform Ohio citizens about the importance of planning for Long Term Care.  This type of planning allows families to avert a crisis and have a choice about the quality and location of long term care. We are your resource for all of the options for Long Term Care planning.

If you would like to take a short survey on long term care, please click here.

Income Protection – What would happen if you lost your ability to work because you were disabled? How would you support yourself and your family and protect your current lifestyle? Let us show you how inexpensive income protection coverage can be.

Annuities – Annuities are insurance contracts that help you protect your principle from market risk and allow you to participate in market upswings. These contracts are an important part of your investment and retirement planning. Let us show you how annuities work and how they can work for you.

Life Insurance – Life insurance is an easy way to protect your family and provide them with a nest egg when something unforeseen happens and you die. This is an important part of your investment strategy and can play an important role in retirement planning.