Health Insurance for Individuals and Families
NAtional Carriers
Does this sound familiar?
You want reliable coverage for you and your family -- but every time you shop for health insurance, you feel overwhelmed by high premiums, confusing plan options, and hidden costs.
🧑🤝🧑Example:
You qualify for a subsidy under the ACA, but you're not sure which plan gives you the best value. You worry about what's not covered - like emergency hospital visits, dental work, or eye exams -- and you don't want to get stuck with huge bills later.
✅We make the process simple. We help you choose the right ACA plan, and show you affordable ways fo fill gaps in your coverage -- so you're not just insured, you're protected.
🧩Solutions We Offer:
🏥ACA Marketplace Plans
Whether you qualify for a tax credit or not, we'll help you:
✳️Compare Bronze, Silver, Gold and Platinum Options
✳️Understand co-pays, coinsurance, deductibles and maximum out of pocket costs
✳️Enroll confidently - with zero guesswork
✔️ We walk you through the process and help you avoid surprise costs.
💡GAP Coverage / Supplemental Insurance
For when ACA plans don't go far enough
We offer:
✳️Hospital Indemnity Plans - Cash payout if you're hospitalized
✳️Accident Plans - Helps cover unexpected ER visits
✳️Critical Illness - Protection against finanicial fallout from a major health issue (heart attack, cancer, stroke etc.)
😁 Dental & Vision Insurance
Keep your smile and your sight protected without overpaying
Coverage includes:
✳️ Cleanings, exams, filings, crowns
✳️ Vision exams, frames, lenses and contacts
💥Why IPFG?
• We're not just brokers -- We are advisors. We take the time to understand your goals, health needs, and budget.
• We shop across multiple carriers to find you the best fit, not just the cheapest plan.
• We integrate health insurance with financial wellness -- showing you how to save money now and pan smarter for the future.
What Life Insurance covers
Term Life vs. Whole Life vs Universal Life
Term Life
Coverage for a set period (10–40 years). Pure protection—no cash value.
Why people choose it: Lowest cost per dollar of coverage; great for income replacement, mortgage years, or raising kids.
Keep in mind: Expires when the term ends (unless you convert or renew at higher rates).
Whole Life
What it is: Lifetime coverage with guaranteed premiums, guaranteed death benefit, and guaranteed cash value growth. May pay dividends (not guaranteed).
Why people choose it: Predictable, permanent protection plus a cash value you can access via policy loans/withdrawals.
Keep in mind: Higher premiums; designed to be kept for life.
Universal Life (UL)
What it is: Lifetime coverage with flexible premiums and adjustable death benefit; builds cash value based on interest crediting (types include Guaranteed UL, Indexed UL, Variable UL).
Why people choose it: Flexibility—can adjust payments and coverage as needs or income change; can target lifetime guarantees (GUL) or potential upside (IUL/VUL).
Keep in mind: Requires monitoring; performance and costs can affect long-term guarantees if underfunded (especially IUL/VUL).
Quick fit guide
Pick Term if you want the most coverage for the lowest cost during specific years.
Pick Whole if you want permanent, set-and-forget coverage with guarantees and steady cash value.
Pick UL if you want permanent coverage with flexibility (and you’ll review it periodically).
Everyday Income & Bills – Replaces your paycheck so the family can keep up with the mortgage/rent, utilities, groceries, childcare, and taxes.
Debts & Big Obligations – Pays off the mortgage, car/student loans, credit cards, and can fund college or future milestones.
Business & Legacy – Provides capital for buy-sell agreements or key-person needs, covers final expenses, and leaves a legacy or charitable gift.
Who It’s For
Families, Business Owners, Mortgage Protection
Families
Protects your household’s income so bills, childcare, and college stay covered if something happens.
Good fits: Term for maximum coverage at a low cost during the child-raising years; Whole/Universal if you also want lifelong protection and cash value.
Business Owners
Safeguards your company and partners—think key-person coverage, funding a buy-sell agreement, or covering business loans.
Good fits: Term for temporary needs (loans, key projects); Whole/Universal for long-term strategies, retention, and flexible funding.
Mortgage Protection
Matches your policy to your mortgage so your family keeps the home.
Good fits: Term that aligns with your remaining mortgage years; consider Whole/Universal if you also want permanent coverage beyond the loan.
Replace income so your family can keep living life if you’re gone (term is most cost-effective).
Fund buy-sell agreements so ownership transfers smoothly.
Match a term policy to your mortgage length so the home stays in the family
🗓️Ready to Get Covered Without the Confusion?
🛡️We'll help you protect your family, your health and your finances -- all in one call.
➡️Book A Free Life or Health Insurance Review
