Here Are Our Best Answers
Does it cost more to work with an insurance broker?
Not with us! As an independent insurance agency, we offer a variety of solutions in one place to help you find the perfect fit. We can save you time and money, with no added fees!
What happens at a free consult?
We’ll call you at the scheduled time. Or if you would like to screenshare documents and other information, we’ll send you a Zoom link! You can be on camera, or not.
Bring your questions and any helpful information like doctors, prescriptions and current coverage, and we’ll explore options together and see if we find a good fit! As always, there is no cost or obligation.
Where are you located?
Clarksville, Tennessee is our home (mailing address below), and through the magic of telephone and virtual meetings, we’re able to serve individuals and families throughout the state! For situations where an in-person meeting would be helpful, that also can be arranged.
What types of insurance do you offer?
As an independent life and health insurance agency, we provide a variety of coverage options for individuals and families as well as ICHRA for small business.
Do you have affordable options for individual or family health insurance?
If you are self-employed, recently lost your job, or your employer does not provide affordable health insurance, there are many options available. You may even qualify for a government subsidy for a low-cost or even $0 monthly premium! We’d love to help you find your best fit.
Do you offer dental insurance without a waiting period?
Most dental policies include a waiting period before major dental work will be covered, usually one year. We do have several options for coverage with no waiting period.
Check out this dental quick quote for coverage you can use as soon as tomorrow. Just enter your ZIP code!
What is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) is a small business group health alternative. Since their introduction in 2020, ICHRAs have rapidly grown in popularity as more and more employers find rising insurance rates unaffordable.
With an ICHRA, the employer decides on a set pretax contribution to give to each employee to shop for their own health insurance plan (on Marketplace or off). Any remaining premium is covered by the employee. This keeps costs predictable and can offer significant savings for many small businesses. Employees benefit by being able to choose the specific health plan that is best for them.
Can I set up automatic payment for my insurance premium?
Yes, most plans allow you to set up automatic payments through credit card, debit card, or bank draft, and a few take Direct Express.
Do you have health insurance that covers preexisting conditions?
Yes, among the many companies we work with, there are several options for life insurance and individual or family health coverage that allow for preexisting conditions.