What we place
Every line of coverage we work with, explained honestly.
Thirteen product lines across three areas of life. Each page below tells you what the product does, who it genuinely suits, where it goes wrong, and what to check before you sign anything.
Medicare
Medicare & Senior Health
Turning 65, retiring later, or unhappy with this year’s plan. We compare what is actually available in your county and check your doctors and prescriptions before you sign anything.
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Medicare Advantage (Part C)
Medicare Advantage (Part C) is a private plan that replaces how you receive your Part A and Part B benefits. Plans usually bundle prescription drug coverage and extras like dental and vision, often carry a $0 monthly premium, and cap your annual out-of-pocket costs — but you use a provider network and pay copays at the point of care.
About Medicare Advantage -
Medicare Supplement (Medigap)
A Medicare Supplement, or Medigap, is a private policy that pays the deductibles, copayments and coinsurance Original Medicare does not. You keep Original Medicare, see any provider in the country who accepts Medicare, need no referrals, and pay a monthly premium. Prescription drug coverage is bought separately as a Part D plan.
About Medigap -
Part D prescription drug plans
Medicare Part D is prescription drug coverage sold by private carriers, either as a standalone plan alongside Original Medicare and a Medigap policy or bundled inside a Medicare Advantage plan. Each plan has its own formulary, tiers and pharmacy network, and an annual cap on what you pay out of pocket for covered drugs.
About Part D -
Dental, vision & hearing
Dental, vision and hearing insurance is standalone coverage for routine care Original Medicare excludes: cleanings, fillings, crowns, dentures, eye exams, lenses, frames, hearing exams and hearing aids. It can be bought alongside any Medicare arrangement, including a Medigap policy, and typically works on an annual benefit maximum.
About Dental, vision & hearing -
Hospital indemnity
Hospital indemnity insurance pays a fixed cash amount per day of a covered hospital confinement, paid directly to you rather than to the hospital. Medicare beneficiaries most often use it alongside a Medicare Advantage plan to offset the per-day inpatient copays those plans charge, and to cover costs insurance does not touch.
About Hospital indemnity
Health
Individual & Family Health
Self-employed, between jobs, or losing employer coverage. We run the subsidy math and show you what a plan really costs after tax credits.
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ACA / Marketplace health plans
An ACA Marketplace plan is individual major-medical health insurance sold under the Affordable Care Act. Carriers cannot decline you or price you on health history, every plan covers the ten essential health benefits, and households under certain income levels receive a premium tax credit that reduces the monthly cost — often substantially.
About ACA / Marketplace -
Short-term medical
Short-term medical is temporary health insurance designed to bridge a coverage gap. It is medically underwritten, does not cover pre-existing conditions, and is not required to include the ACA essential health benefits. It is genuinely useful for a defined short gap and a poor substitute for comprehensive coverage over the long term.
About Short-term medical -
Disability income insurance
Disability income insurance pays you a monthly benefit — typically 50 to 70 percent of your income — if illness or injury prevents you from working. Short-term policies cover weeks to months; long-term policies can pay to retirement age. The definition of disability in the contract matters more than the benefit amount.
About Disability income
Life & Retirement
Life & Retirement Income
Protect the people who depend on you, and build income you cannot outlive. Straight explanations of what each product does — and what it costs.
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Term life insurance
Term life insurance pays a death benefit if you die within a set period — commonly 10, 15, 20 or 30 years — and pays nothing if you outlive it. Premiums are level for the term and far lower than permanent insurance, which makes it the efficient way to cover a temporary obligation such as a mortgage or raising children.
About Term life -
Whole life insurance
Whole life insurance is permanent coverage with a level premium, a guaranteed death benefit that never expires, and a guaranteed cash value that builds over time. Policies from mutual insurers may also pay non-guaranteed dividends. It costs substantially more than term life because the coverage is designed to last your entire life.
About Whole life -
Indexed universal life (IUL)
Indexed universal life is permanent life insurance with a flexible premium and a cash value credited based on the performance of a market index, subject to a floor — usually zero percent — and a cap or participation rate that limits the credited gain. You are not invested in the index; the insurer credits interest by reference to it.
About Indexed universal life -
Final expense / burial insurance
Final expense insurance is small-face-amount whole life insurance intended to cover funeral costs, burial or cremation, outstanding medical bills and estate settlement expenses. Underwriting is simplified or guaranteed issue, premiums are level and permanent, and approval is available to many people who cannot obtain standard life insurance.
About Final expense -
Annuities
An annuity is a contract with an insurance company: you pay a premium and the insurer provides either a guaranteed interest rate, index-linked growth with a floor, or a guaranteed stream of income for a set period or for life. Annuities carry surrender schedules, and guarantees depend on the issuing insurer’s financial strength.
About Annuities
Talk to someone
Read us the mail you don’t understand. We’ll go through it line by line.
A phone call or a video call, from wherever you are — hold the page up to the camera if that is easier. Whatever gets you a straight answer fastest.
- $0 Cost for our help
- NPN 14656745 Licensed & appointed
- Nationwide By phone or video
Before you ask
Questions about how this works.
What kinds of insurance does WLB Insurance Group place?
Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D, ACA Marketplace health plans, short-term medical, dental, vision and hearing, hospital indemnity, disability income, term life, whole life, indexed universal life, final expense and annuities. We are an independent brokerage, so we compare across carriers rather than representing one.
Does it cost more to buy through a broker?
No. Premiums are filed with regulators and are identical whether you enroll directly or through a licensed broker. Carriers pay the broker a commission that is already built into the premium. You pay the same price and get an advocate.
Can you help me if I live outside Massachusetts?
Yes. We are based in Marlborough, Massachusetts and licensed nationwide, working with clients across the country by phone, email and video. Carrier appointments vary by state and product, so tell us your ZIP code and we will confirm exactly what we can place for you.
How do I know which product I need?
Usually you do not, and that is fine — the conversation starts with your situation rather than with a product. Tell us what you are dealing with and we will tell you which of these is relevant, including when the answer is that you already have what you need.