What we cover
Five kinds of protection
Most people don't need all five — they need the right two or three, sized honestly. Read what each one does, then let's talk about which ones earn a place in your plan.
Hospitalization
Hospitalization coverage is the part of a health plan that helps with the cost of being admitted — the room, nursing care, and the services you receive while you're an inpatient. It's the piece of coverage that matters most on the worst day, which is exactly why it's the first thing we check in any plan.
Outpatient Care
Outpatient coverage is what you use the other 360 days of the year — doctor visits, urgent care, labs, imaging, and minor procedures that don't involve being admitted. It's where a plan earns its keep month to month.
Life Insurance
Life insurance replaces your income for the people who depend on it. Term coverage does one job — a payout if you die during the term — and for most families it's the simplest, most affordable way to make sure a mortgage or a childhood doesn't come apart on the worst day.
Accident & Critical Illness
Often called gap coverage: plans that pay you cash on a diagnosis or after an accident, independent of your medical plan. That money arrives while you're still being treated and can go to anything — the deductible, the mortgage, the drive to treatment.
Short Term Disability
Disability coverage answers one question: if you couldn't work for a few months, what would pay the bills? It replaces a portion of your income while you recover — the piece self-employed people most often have nothing standing behind.
Start from your situation instead
Products are our vocabulary, not yours. If it's easier to start from what's going on — a plan that isn't working, a bill, a first policy — start there and we'll translate.
Ask about coverage
Tell us who needs covering and what matters most — we'll come back with which of the five actually apply.