• Low Cost Term Insurance
  • Exceptional Service
  • Representing ALL Major Insurance Companies

Employee Benefits Insurance:

  • Life
  • Health
  • Dental
  • Disability
  • Supplemental

Business Insurance:

  • Key Man
  • Deferred Compensation
  • Buy, Sell Life and Disability Business Continuation

Frequently Asked Questions

What is Open Enrollment and what does it mean for me?
Open enrollment is the only period of time each year that you can buy health insurance. You can only get coverage during the rest of the year if you qualify for a Special Enrollment Period (such as loss of coverage from an employer or a parent). If you do not enroll during this period, you will have to wait until next year to be covered. These rules apply for all individual health insurance…not just the ObamaCare plans.

When is Open Enrollment?
Open enrollment begins November 1 for coverage effective on January 1. However, in order to have coverage beginning on January 1, you must enroll before December 15. The last day to enroll for coverage for 2017 is January 31.

What is the difference between “on-exchange” and “off-exchange” plans?
An “on-exchange” plan is health insurance purchased through the Health Insurance Marketplace, and these plans usually have government subsidies to pay part or all of the premium. An “off-exchange” plan is purchased directly, and you do not have to go through the government application process.

Why should I enroll through an agent instead of just going to the ObamaCare website?
If you enroll in an ObamaCare plan directly through the Health Insurance Marketplace, your service ends are soon as your enrollment is complete. A local agent can help you enroll in both on-exchange and off-exchange plans. Plus, you have a real person in your community that is familiar with our medical networks and the plans offered here. When have important decisions about your health, you need someone you know…not an “800” number. Plus, it doesn’t cost you anything!

How can I find out if I qualify for a subsidy?
Government assistance (or “subsidy”) is based on your projected income for the year that you are covered. The Instant Quote button on this website will tell you if you qualify. Simply put in your zip code and the number of people in your household. For example, in 2015 a family of four in Floyd County will qualify for a subsidy if the household income is less than $95,400.00