Nine lines, one advisor
Everything we can actually place for you
These are the lines we hold appointments for. Each page says who the product suits, what drives the price, and when we would tell you not to buy it.
Individuals, families and employers
If nobody at your address gets a plan through a job
ACA Marketplace plans
Individual and family plans bought through HealthCare.gov, with premium tax credits applied up front.
Read the detail
Self-employed health cover
Coverage built for 1099 income: variable earnings, quarterly taxes and no HR department to ask.
Read the detail
Group employee benefits
Small-group medical, dental and ancillary cover for teams of two to fifty.
Read the detail
Life insurance
Term and permanent cover sized to the actual obligations you would leave behind.
Read the detail
Critical illness and supplemental
Cash-benefit policies that pay you directly when a deductible is the least of your problems.
Read the detailMedicare lines
If you are 65 or approaching it
We are a third-party marketing organisation for Medicare purposes, which means specific rules apply to how we talk to you. The disclaimers below are not decoration; they are the rules.
Medicare Advantage
Part C plans that bundle hospital, medical and usually drug coverage inside a carrier network.
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Medicare Supplement (Medigap)
A standardised plan that pays the gaps Original Medicare leaves, with no network and predictable costs.
Read the detail
Part D prescription cover
Standalone drug plans, chosen on your actual prescriptions and your actual pharmacy.
Read the detail
Dental, vision and hearing
Standalone cover for the three things medical plans mostly do not pay for.
Read the detailOur help is free to you. We are paid by the carrier you choose, and the premium is the same whether you use us or enrol on your own.
Not sure which of the nine you need?
Four questions about your household, your income and your timing, and we come back with the two or three worth reading.
Our help is free to you. We are paid by the carrier you choose, and the premium is the same whether you use us or enrol on your own.