Independent. Experienced. Human.

An independent broker is your advocate in a complicated market. We learn how you actually use care—doctors, prescriptions, budget, risk tolerance—then search across multiple carriers to find plans that fit.

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You’ll see the trade-offs in plain English: networks, deductibles, out-of-pocket maximums, prescriptions, and extras.

We handle enrollment, keep you informed at renewal, and stay on call for plan changes or claim issues. The goal is simple: the right coverage for you, not the carrier.

Dental and vision plans are focused, lower-cost add-ons that help you budget for routine care and the big surprises.

Dental typically covers preventive cleanings and exams, with cost-sharing for fillings, major work, and sometimes orthodontics; many plans include annual maximums and brief waiting periods.
 

Vision usually includes an annual exam plus an allowance for frames or contacts, with discounts on extras. We compare networks and benefits side-by-side so you know what’s covered now, what has limits, and how to avoid out-of-network surprises.

Life insurance is about replacing income and securing promises—family needs, a mortgage, or a buy-sell agreement.

We assess your goals and budget, then compare policies across carriers—from simple term to permanent options—so you understand cost, guarantees, and flexibility.

Underwriting can feel opaque; we prep you for it, advocate during the process, and coordinate strategies like laddering terms to keep premiums efficient. After approval, we review coverage as life changes to make sure it keeps doing its job.