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Health & Life Insurance Expert

PPO - Marketplace - Life Plans 


Your Personal Insurance Advocate


I pride myself in truly taking care of my clients and their families. Unfortunately, there will never be a “One size fits all” in the insurance industry.


It’s my job to determine which plans make the most sense for your specific needs and budget. Not only am I your direct point of contact throughout the life of the policy, I take the time to educate my clients on how to properly use insurance and recognize price gauging when rendering services at medical facilities.


Broker  vs.  Agent

Here are a few reasons why someone might want to consider using a health insurance broker instead of a captive insurance agent:


  1. More options: Captive insurance agents work for a single insurance company, which means they can only offer policies from that one company. Health insurance brokers, on the other hand, work with multiple insurance companies and can offer a wider range of policy options. This means that brokers can help you find the plan that is truly the best fit for your needs and budget.

  2. Unbiased advice: Because captive insurance agents work for a single company, their recommendations may be influenced by that company's bottom line. Health insurance brokers, on the other hand, are not tied to any one company and can offer unbiased advice based solely on your needs and preferences.

  3. Expertise: Health insurance brokers specialize in health insurance and are experts in the field. They are up-to-date on the latest policies, regulations, and industry trends and can help you navigate the complex world of health insurance. Captive insurance agents may have expertise in a particular company's policies, but may not have the same level of expertise in the broader health insurance landscape.

  4. Personalized service: Health insurance brokers work directly with their clients to understand their unique needs and preferences. They can help you find the policy that best fits your lifestyle, budget, and health needs. Captive insurance agents may be more limited in their ability to offer personalized service, as they are focused on selling policies from their one company.


Overall, using a health insurance broker can help you find the best policy for your needs, with unbiased advice, expertise, and personalized service. While captive insurance agents can be helpful, they may not offer the same range of options or level of expertise that a broker can provide.

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