Independent brokerage · NPN 14656745
WLB Insurance Group is an independent brokerage in Marlborough, MA, licensed in most states. We compare Medicare, health, life and retirement plans across carriers, explain the trade-offs in plain English, and never charge you a fee for the help.
What we place
Most people come to us with one of these on their plate. Whichever it is, the work is the same: figure out what you actually need, then find the carrier that does it best for the money.
Turning 65, retiring later, or unhappy with this year’s plan — we compare what is actually available on your ZIP code and check your doctors and prescriptions before you sign anything.
Self-employed, between jobs, or losing employer coverage. We run the ACA subsidy math and show you what the plan really costs after tax credits.
Protect the people who depend on you, and build income you cannot outlive. Straight explanations of what each product does — and what it costs.
Why work with a broker
Enrolling through a licensed independent broker costs you nothing extra — the carrier pays the commission either way. The difference is what happens before you sign, and who picks up the phone eighteen months later when a claim gets denied.
We are not employed by a carrier, so we are not talking you into one company’s product. We shop the market and show you the trade-offs.
Our compensation comes from the carrier you choose. Your premium is the same whether you enroll with us or on your own — you just get an advocate.
Based in Marlborough, Massachusetts and licensed in most states. Meet in person around MetroWest and Greater Boston, or by phone and video anywhere.
No scripts, no scare tactics, no “this offer expires today.” You get a clear recommendation and the reasoning behind it, then you decide.
How it works
Fifteen minutes on the phone. What you have now, what it costs, your doctors and prescriptions, and what you actually want the coverage to do.
We pull the plans you qualify for and lay them out honestly — premium, deductible, network, drug tier, real out-of-pocket maximum. No jargon dumps.
We handle the paperwork and confirm the effective date. Then we stay on: annual reviews, claim and billing questions, and changes when your life changes.
Not sure which of those you need yet? That is exactly what step one is for.
Call (508) 395-3333Sit down with someone
Kitchen table, our office in Marlborough, or a video call from wherever you are — whatever gets you a straight answer fastest.
Walker Bolin
Licensed Insurance Broker
About
WLB Insurance Group is run by Walker Bolin, a licensed independent insurance broker working out of Marlborough, Massachusetts. Independent means no carrier signs the paycheck and no carrier gets the benefit of the doubt — the recommendation follows your doctors, your prescriptions, your budget and your risk, in that order.
Practically, that looks like a real conversation instead of a quote form. You get told when a plan is a bad fit, when your current coverage is already the right one, and when the honest answer is that you should stay put this year. Clients come back at renewal because nobody tried to sell them something they did not need.
In their words
I had three envelopes on the counter I could not make sense of. We went through them together and I finally understood what I was actually paying for.
My husband retired at 63 and we lost the plan through his job. We had options in front of us the same week, with the tax credit already worked out.
What I appreciated was being told to keep the plan I already had. Nobody was trying to move me just to move me.
Straight answers about term versus whole life, with the real numbers side by side. No pressure, no jargon, no rush.
Questions
If yours is not here, ask it directly — (508) 395-3333. There is no charge for a question.
Ask your questionNo. There is no fee, retainer, or consulting charge for our help. Insurance carriers pay licensed brokers a commission when you enroll, and that amount is already built into the premium — it does not increase your rate. You pay the same price you would pay applying directly, and you get someone in your corner if something goes wrong later.
Your Initial Enrollment Period runs for seven months around your 65th birthday — the three months before, your birth month, and the three months after. After that, Medicare Advantage and Part D changes are generally made during the Annual Enrollment Period, October 15 through December 7. There are also Special Enrollment Periods for events like moving, losing employer coverage, or retiring after 65. Call us and we will tell you exactly which window applies to you.
A Medicare Advantage plan replaces how you receive your Part A and B benefits, usually bundles drug coverage, often has a low or $0 premium, and uses a provider network with copays. A Medicare Supplement (Medigap) works alongside Original Medicare, has a monthly premium, lets you see any provider who accepts Medicare nationwide, and leaves little or nothing for you to pay at the point of care — but you buy a Part D drug plan separately. Neither is universally better. The right answer depends on your doctors, your prescriptions, how much you travel, and your budget.
Yes. Our office is in Marlborough, MA, but we are licensed in most states and work with clients nationwide by phone, email, and video. Tell us your ZIP code and we will confirm licensing and show you what is available where you live.
That event opens a Special Enrollment Period, so you are not stuck waiting for open enrollment. Depending on your age and income, the realistic choices are usually an ACA Marketplace plan (often with a premium tax credit), COBRA, a spouse’s plan, or — if you are 65 or older — moving onto Medicare. These decisions are time-sensitive, so reach out as soon as you know the end date.
Term life covers a defined period, costs the least per dollar of death benefit, and is usually right for covering a mortgage or replacing income while children are at home. Whole life is permanent, costs more, and builds guaranteed cash value. Indexed universal life is permanent with flexible premiums and cash value tied to a market index with a floor and a cap. We will show you the actual illustrations and what each one costs over time so the choice is yours, not a sales pitch.
Get started
Send this over and we will come back with what your options actually look like — usually the same business day. No fee, no obligation, no pressure to switch anything.
