Life & Health Insurance
That Puts People First
Coverage That Supports You Through Every Stage of Life
From starting a family to planning retirement, your needs evolve — and your insurance should too. At our agency in Kalida, we help you find life and health insurance solutions that fit where you are today and where you’re headed next.
We’ll talk through your goals, explain your options in plain language, and make sure your plan feels like a decision made with confidence, not confusion.
What We Offer
Life Insurance
Whether you need term life coverage for peace of mind or a long-term plan that builds value, we’ll help you protect your loved ones and leave nothing to chance.
- Term Life Insurance – Budget-friendly coverage for a set number of years — ideal for families, young parents, or mortgage protection.
- Whole Life Insurance – Permanent protection with built-in savings and cash value benefits.
-
- Final Expense Policies – Smaller, focused policies designed to cover end-of-life expenses, medical bills, or funeral costs.
Health Insurance
If your current health plan leaves some gaps, we can help you find supplemental options for vision, dental, accident, or critical illness coverage.
- Accident & Disability Insurance – Support for income loss or unexpected medical costs due to injury.
-
- Critical Illness Insurance – Lump-sum payouts that help with major illnesses like cancer or heart disease.
- Dental & Vision – Straightforward add-ons to help you manage out-of-pocket costs for everyday health needs.
Medicare
Medicare can feel confusing — but choosing the right plan doesn’t have to be. We help people in Kalida, Ottawa, Cloverdale & nearby towns understand their options and fill in the gaps with confidence — no pressure, just honest guidance.
- Medicare Supplement Plans (Medigap) - Helps cover out-of-pocket costs like deductibles and copays that Original Medicare doesn’t. Great for flexibility and seeing any Medicare-accepting provider without referrals.
- Medicare Advantage Plans (Part C) - All-in-one plans that include hospital, medical, and often drug coverage — plus extras like dental or vision. Typically lower premiums than Medigap, with network-based care.
- Medicare Prescription Drug Plans (Part D) - Standalone coverage for prescription medications. Pairs well with Original Medicare or a supplement plan, and helps avoid future penalties.
Health Insurance
If your current health plan leaves some gaps, we can help you find supplemental options for vision, dental, accident, or critical illness coverage.
Accident & Disability Insurance – Support for income loss or unexpected medical costs due to injury.
Critical Illness Insurance – Lump-sum payouts that help with major illnesses like cancer or heart disease.
Dental & Vision – Straightforward add-ons to help you manage out-of-pocket costs for everyday health needs.
Why Work With a Local Life Insurance Agency?
Choosing a life or health policy is a big decision — and we believe it deserves a real conversation. We’re not just quoting numbers. We’re getting to know your family, your goals, and your what-ifs — and helping you feel good about the protection you choose.
Whether you’re comparing quotes, reviewing your current policy, or exploring new coverage, we’re here to guide you — not pressure you.
Frequently Asked Questions
How much life insurance do I need?
It depends on your income, debt, dependents, and future goals. We’ll help you do the math and build a plan that makes sense.
Is term life better than whole life?
Term life is great for short-term needs at a lower cost. Whole life builds value over time. We’ll walk you through both options and help you choose what fits your situation.
Can I get life insurance if I have a health condition?
Yes — options are available even with pre-existing conditions. Let’s talk and explore what’s possible.
What’s the difference between primary and supplemental health insurance?
Primary insurance is your main health coverage. Supplemental policies fill in the gaps — especially for unexpected or out-of-pocket costs.
What’s the difference between Medicare Advantage and Supplement plans?
Supplement (Medigap) plans work with Original Medicare to cover gaps. Advantage plans replace Original Medicare with an all-in-one option. Each has different networks, costs, and benefits — we’ll help you choose.
Can I change my plan after I enroll?
Yes — but timing matters. There are specific enrollment windows each year. We’ll make sure you understand your options and deadlines.
Do I need a prescription drug plan if I’m not on medications?
You might — skipping Part D when first eligible can lead to penalties later. We can help you evaluate your needs even if your prescriptions are minimal now.
Let’s Talk About the Future You Want to Protect
Whether you're exploring life insurance for the first time or updating a policy after a big life change, we’re ready to help. Let’s make sure you and your family are covered with care.