Straight answers.

Real conversation. Where you are, what you've built, who depends on you, what coverage you already have, what's on your mind. I'll walk through what could work and tell you what I'd recommend.

Yes, free. Carriers pay me a commission when a policy is placed. You pay nothing directly to me. My pay doesn't change based on which carrier I recommend.

Reach out anyway. I pursue non-resident licensing when a client needs it.

ACA plans are guaranteed-issue, include essential health benefits, and offer income-based subsidies. Private plans sit off the marketplace, may use medical underwriting, and often run cheaper for healthy households. The right pick depends on your health, your subsidy eligibility, and what coverage you actually need.

ACA Marketplace is guaranteed issue and covers pre-existing conditions. On the life side, many carriers still write coverage for people with health conditions. Multiple carrier appointments means I can find the option that works for you.

Yes. Send it over and I'll walk you through it. I'll tell you what it does, what it costs, and whether it's actually serving you. Free.

Annually at minimum. Life changes (new income, dependents, paid-off mortgage, marriage, divorce) change what works.

An online quote engine gives you a number. I compare across carriers based on your actual health and goals, recommend riders that match your situation, and stay in the relationship past the application. Plus your information stays with me, not on a lead-vendor list.