Coverage, explained like a neighbor would.

No jargon, no fine-print games. Five minutes here and you'll understand your options better than most people who already have a policy.

Life Insurance Health: ACA & Short-Term Dental Accident & Gap For Business
Life Insurance

Term, whole, or IUL: which one is you?

All three pay your family if you pass. The difference is how long they last, what they cost, and what they do while you're alive.

Most popular

Term Life

Pure protection for a set window, usually 10 to 30 years. The biggest payout per premium dollar of any life product.

  • Lowest cost per dollar of coverage
  • Fixed premium for the whole term
  • Ideal while kids and mortgage are in the picture
  • Ends when the term ends, no cash value
Best for: income replacement during your working years. Most families start here.
Lifetime

Whole Life

Permanent coverage that never expires as long as premiums are paid, with a cash value that grows at a guaranteed rate.

  • Coverage for life, premiums never increase
  • Builds guaranteed cash value you can borrow against
  • Great for final expenses and leaving a legacy
  • Higher premium than term for the same payout
Best for: lifelong needs, predictable guarantees, and people who hate surprises.
Flexible

Indexed Universal Life (IUL)

Permanent coverage where cash value growth is tied to a market index, with floors that protect against down years.

  • Growth potential linked to an index, with a downside floor
  • Flexible premiums and death benefit
  • Tax-advantaged access to cash value
  • More moving parts: caps, fees, and funding discipline matter
Best for: specific situations and disciplined funding. Worth a real conversation, not a brochure.
Honest take: most families are best served starting with term and adding from there. We'll tell you if that's you, even though fancier products pay agents more.

30-second fit finder

Tap two answers, watch the cards above react. Not advice, just a head start for our conversation.
How long do you want the protection?
What should it do while you're alive?
Want a number for your exact situation?
Contact Me →Schedule a Call
Health Insurance

ACA Marketplace vs. short-term: the honest comparison

One is comprehensive coverage with income-based help paying for it. The other is a fast, affordable bridge. Knowing which is which saves you real money and real pain.

Comprehensive

ACA Marketplace Plans

Full major-medical coverage through the federal Marketplace, with subsidies that lower your premium based on household income.

  • Pre-existing conditions covered, no health questions
  • Free preventive care, the 10 essential benefits
  • Subsidies can dramatically lower your monthly cost
  • Enrollment limited to Open Enrollment or a qualifying life event
Best for: anyone without employer coverage who wants real protection, especially the self-employed.
The bridge

Short-Term Medical (STM)

Temporary coverage you can start almost immediately, designed to bridge gaps: between jobs, before Medicare age, after a move.

  • Enroll any day of the year, fast approval
  • Often much cheaper than unsubsidized major medical
  • Protects you from the catastrophic stuff in a gap
  • Not ACA-compliant: medical questions, pre-existing conditions excluded, limited benefits
Best for: coverage gaps measured in months, not years. A tool, not a home.
We check your subsidy before anything else. Many families qualify for far more help than they expect, and it's the difference between a plan that works and a plan you resent.

Which lane are you in?

Two taps. The cards above will point at your answer.
How long do you need coverage?
Any pre-existing conditions to cover?
Find out what you qualify for.
Check My Subsidy →Schedule a Call
Dental

How dental plans really work (and where most fall short)

The typical dental plan looks great until you read row three of the fine print. Here's what to look for.

The industry standard

What the average plan does

  • 100% preventive: cleanings, exams, x-rays
  • 80% basic work: fillings, simple extractions
  • 50% major work: crowns, root canals, dentures
  • Annual maximum, often $1,000 to $1,500, then YOU pay everything
  • Waiting periods, often 6 to 12 months for major work
Translation: one crown and a root canal can blow past a typical annual max in a single visit.
What to look for

The questions that matter

  • What's the annual maximum? Higher is rare and valuable
  • Is there a waiting period before major work?
  • Can you keep your dentist?
  • Does the price hold, or jump at renewal?
Our job: we put plans side by side and show you these four rows first.

The cap-out simulator

Drag the slider to the dental work you might need this year. Watch what a typical plan does. Figures are illustrative, not a quote.
This year's dental work: $1,800
Typical plan (illustrative $1,250 annual cap)
High-benefit plan (like our Allstate option)
Illustrative comparison of benefit structures only. Actual coverage percentages, networks and benefits depend on the plan documents. Ask us for the real numbers for your situation.
Allstate Health Solutions

The plan we're proud to put on the table

Our Allstate Health Solutions dental option breaks the two rules above: no waiting periods to plan around, and benefits that don't stop at the typical annual cap. Ask us to walk you through exactly how it works for your situation.

No waiting periodNo typical annual capKeep your dentist options open
Two minutes to compare it against what you have.
Show Me The Dental Plan →Schedule a Call
Accident & Gap

The smartest small policy in insurance

Health insurance pays the hospital. Accident and gap coverage pays YOU, in cash, when life happens. It exists for one reason: deductibles got big.

How it works

Cash, straight to you

Break an arm, take an ambulance ride, spend a night in the hospital: the plan pays a set cash amount directly to you. Spend it on the deductible, the rent, or the babysitter. Your call.

Why it stacks

Built to sit on top of any plan

It doesn't replace your health insurance, it fills the hole in it. High-deductible ACA plan? Employer plan with a big out-of-pocket max? This is the layer that keeps a bad week from becoming a bad year.

The math

Why we quote it with almost everything

It's typically the least expensive policy a family owns, while the gap it covers, your deductible, is one of the biggest bills you could face this year. Small premium, big hole covered. That's why we bring it up on nearly every plan we build.

A broken arm, two ways

Same accident, same ER visit. Flip the switch.
Without gap coverage With gap coverage
  • The full deductible is suddenly due, out of savings
  • Out-of-pocket costs stack on top: ambulance, ER, follow-ups
  • Missed work days come straight out of your paycheck
  • The bill decides your next few months
Ask what it would add to your plan. The answer usually surprises people.
Quote It With My Plan →Schedule a Call
For Business Owners

The benefits move your competitors haven't found

Voluntary benefits cost the business nothing: your team opts in and pays their own premium. You get the retention, they get protection that follows real life: paychecks, accidents, diagnoses, teeth.

The full Colonial Life voluntary benefits suite

Through Colonial Life we bring your team the whole menu, and the flagship is a dental benefit most menus never touch: up to $5,000 a year, when the plans your employees have seen all their lives cap out around $1,000 to $1,500. Offer it, and your team notices.

Dental, up to $5,000/yr Short-Term Disability Long-Term Disability Accident Cancer Coverage Critical Illness Hospital Indemnity Life
No cost to the business Employees opt in and self-pay Bilingual enrollment, EN/ES

And just for meeting with us: sit down with us and your team, and one year of Teladoc access is our gift. No obligation, no strings attached.

We handle the whole enrollment, in English and Spanish, on site or remote. You introduce us, we do the rest.

Get a group coverage quote

Tell us about your team and we'll reach out within one business day with options. No spam, ever.

Prefer to talk? Book a call →