What Plan Is Right For Me?

Different phases of life require different coverage but one thing is consistent, wanting the best for your family. This is a rough guideline to start your discussion about what you can do to keep your family healthy and safe with coverage. Once you know your basic plan to go for the next thing would be to gather your material for applications and meet with our agents to ensure you are getting the best coverage at the lowest cost.

Families with Newborns/Young Children

Key Focus: Protection & basic health coverage

  • ACA/Marketplace Plans – Comprehensive health insurance for families, with potential subsidies based on income.

  • Life Insurance – Term or whole life to protect the household in case a parent passes away.

  • Dental & Vision – Often separate from standard medical coverage; good to add for kids' care.

  • Accident/Critical Illness Plans – Extra peace of mind for unexpected events.

  • Disability Insurance – Important if one income supports the family.

Young Adults - 18 to 30

Key Focus: Affordable, flexible, and income protection
Consider:

  • ACA/Marketplace Plans – Budget-friendly options; can stay on parents’ plan until 26.

  • Dental & Vision – Great value add-on for those off parental plans.

  • Life Insurance – Lock in low premiums now; term life is a smart starting point.

  • Disability Insurance – Especially important for single-income individuals or early-career professionals.

  • Roth IRA or Starter Annuity – Begin saving for retirement, even in small amounts.

Individuals with Disability

Key Focus: Income support & accessible care

  • Medicaid – If eligible, covers healthcare costs and support services.

  • ACA Plans – With subsidies, this can be an option if not on Medicaid.

  • Disability Insurance – If not already receiving benefits, may help replace income.

  • Critical Illness/Hospital Indemnity – To cover unexpected expenses.

  • Life Insurance – Depending on underwriting, options exist even with health conditions.

Key Focus: Family protection, long-term planning

  • ACA/Marketplace Plans – Especially for self-employed or early retirees.

  • Life Insurance – Term or Indexed Universal Life (IUL) for coverage + cash value.

  • Annuities – Begin building guaranteed income for retirement.

  • Long-Term Care (LTC) Insurance – Lock in lower premiums now for future needs.

  • Disability Insurance – Still important if you rely on earned income.

  • Dental, Vision, Critical Illness – Supplement core health coverage.

Middle Age Adults

64 Turning 65 soon

Key Focus: Medicare transition & retirement planning

  • Medicare – Sign up for Parts A & B around 65th birthday.

  • Medicare Advantage or Supplement (Medigap) – Fill the gaps in Original Medicare.

  • Prescription Drug Plans (Part D) – Required if not included in Advantage plan.

  • Long-Term Care Insurance – Consider if not already in place.

  • Annuities – Can provide steady retirement income.

  • Dental/Vision/Hearing Plans – Not included in Original Medicare.

65+, Retired

Key Focus: Health, income security, legacy

  • Medicare – Review plans annually for the best fit.

  • Medicare Supplements or Advantage Plans – Tailored to health needs.

  • Annuities – Create guaranteed lifetime income.

  • Final Expense Life Insurance – Covers funeral costs, small debts.

  • Long-Term Care or Hybrid Policies – For future care needs.

  • Ancillary Products (Dental, Vision, Hearing) – Add-ons to improve quality of life.

Need a personal look at your health options?

We have agents ready to make sure you are getting the most out of your plan.

Or give us a call at 214-324-6969