Insurance advice that starts with your situation, not a sales script.

No. 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. We are based in Marlborough, MA and licensed nationwide and work with clients across the country 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.