Providing Vital Financial Services To You & Your Family

Just fill out a quick application to get in contact with our experts who can help you find a perfect plan for:

Retirement Planning

Health Insurance

Final Expense Planning

Life Insurance

Mortgage Protection

Get An Affordable Health, Life or Disability Insurance Quote

We offer fast, easy, and affordable quotes on everything you need to feel secure.

 
HEALTH INSURANCE 101

The RIGHT Health insurance can help protect you from financial devastation. 
Health insurance doesn’t always cover 100% of your costs. 

Most policies are designed with cost-share measures like Deductibles, Co-pays, Coinsurance and Out-of-pocket maximum amounts.
 A deductible is how much you need to pay for health care services out-of-pocket before your health insurance will begin to participate.

A co-pay is a fixed amount that you pay for a specific service or prescription.
 Coinsurance is a percentage of the cost that you pay for covered services until you reach your out-of-pocket maximum.
Out-of-pocket maximum is the most you required to pay for covered health care services in a year.

Plans on the Marketplace (or what we call the NOT-so-Affordable Care Act) typically have high deductibles and very high premiums, 
unless the client is eligible for a Cost-Sharing Reduction. Marketplace plans may be the right fit for individuals with pre-existing medical issues or 
those whose income is not quite low enough to qualify for Medicaid. 

Marketplace plans are required to have 10 health essential benefits, including:
Ambulatory patient services
Emergency services
Hospitalization for surgery, overnight stays, and other conditions
Pregnancy, maternity, and newborn care
Mental health and substance use disorder services
Prescription drugs
Rehabilitative and habilitative services and devices 
Laboratory services
Preventive, wellness and chronic disease management services
Pediatric services, including dental and vision coverage for children

ONE SIZE DOES NOT FIT ALL! 
Insurance programs should be customized to meet your unique needs

Fixed benefit plans are another option that we often recommend to our clients that are generally healthy and do not require services like 
maternity, mental illness and substance abuse. 
Many fixed-benefit plans offer 0 or low deductibles and can be customized according to an individual or family's needs. 

Clients can go to ANY doctor or medical facility without referrals or hassles. 
No matter what the provider charges, the insurance benefits for covered services will be paid as indicated in the policy. 
Plans are guaranteed renewable until age 65, so clients never need to renew or worry about being unprotected.

It pays to BE A SMART SHOPPER! Many fixed benefit plans offer a concierge service to help you shop for the most cost-effective providers. 
Since the plan is going to pay a promised fixed-benefit per service, a savvy consumer will be rewarded with a check for the savings.

Are you looking for secure, affordable health insurance for yourself, your family or small business??

SIMPLY FILL OUT THE FORM BELOW OR CALL 888-999-6939
One of our caring agents will respond promptly, ask you a few questions to learn more about your situation, then make recommendations
 that will suit your needs and budget. No pressure. No sales pitch. Just honest answers and affordable suggestions.


LIFE INSURANCE 101
Life insurance will lift the financial burden on the people left behind in the event of death.
 It provides a cash benefit to a beneficiary in the event of a death to replace income, pay off a mortgage or other outstanding debt 
or fund a child's college education.

Some policies also provide a Living Benefit that provides access to funds in case of a critical, chronic or terminal illness.
 These extra funds may help the recipient pay for medical expenses and other bills that accrue from not being able to work or perhaps 
seek out alternative care at facilities that do not accept health insurance
Most policies can be attained WITHOUT HAVING TO GET A MEDICAL EXAM!

Types of Life Insurance 

Term Life Insurance:
• Lowest cost/dollar and lasts for a specific term of time that you choose
• Death benefit would be paid during the specified time period
•  Living benefits provide access to funds for critical, chronic and terminal illness

Permanent Whole Life or Funeral Insurance:
• Accrues value over time and provides lifelong protection
• Lifts the burden of funeral expenses on family members
• Can be borrowed against in case of emergency

Universal Life Insurance:
• Structured to last a lifetime or provide income during retirement
• Allows for flexible premiums in the case of financial difficulties
• Living benefits provide access to funds for critical, chronic and terminal illness

Why Choose WellFit Financial For Your Insurance Quotes?

We have been helping families and small businesses attain affordable health and life insurance protection for over 25 years.
We serve as advocates, NOT salespeople, for the people we serve. Our clients are treated life family - with honesty, integrity and compassionate care. 

WellFit specializes in EDUCATING and EMPOWERING individuals, families and small businesses to secure and implement the most affordable, valuable insurance programs that will help them PROTECT their greatest assets, PROVIDE for the future and PROSPER! 

SIMPLY FILL OUT THE FORM BELOW OR CALL 888-999-6939

One of our caring agents will respond promptly, ask you a few questions to learn more about your situation, then make recommendations
 that will suit your needs and budget. No pressure. No sales pitch. Just honest answers and affordable suggestions.


Submit An Application To Work With Us & Find A Perfect Quote

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