Many people spend their entire lives working to earn their Medicare benefits, only to discover that it covers just 80% of their medical expenses. Leaving them on the hook for the remaining 20%.

Even more concerning, there's no limit to how much those out-of-pocket costs can add up to.

That’s where programs like Medicare Advantage and Medicare Supplements come in, helping to bridge the gap. But with so many options available, finding the right plan isn’t always straightforward. The complexity of Medicare can leave many feeling lost and frustrated.

At LiFE360, we take the guesswork out of Medicare. Unlike other agencies, our agents go above and beyond to find personalized solutions that truly fit your needs. With us, you get expert guidance, clarity, and confidence in your healthcare choices.

Life insurance is a way to make sure your loved ones are taken care of if something happens to you. The insurance company gives money (called a death benefit) to the people you choose, and they can use it to pay bills, cover the mortgage, handle everyday expenses, or plan for the future. It’s simply about giving your family financial security and peace of mind.

This whole life insurance plan provides peace of mind by covering end-of-life expenses, from funeral costs to outstanding medical or legal bills. Let our expert agents tailor a plan that aligns with your needs and ensures your loved ones are financially protected.

Navigating health insurance under 65 shouldn’t be a headache. ACA plans are designed to provide affordable coverage, especially for those who qualify for subsidies. But with so many options, finding the right fit can feel overwhelming. That’s where we come in. Our licensed insurance agents take the guesswork out of healthcare, helping you find a plan that meets your needs, budget, and lifestyle—so you can focus on what matters most.

Hospital indemnity insurance steps in when a hospital stay brings more than just medical bills—it brings unexpected expenses, too. Acting as a financial cushion alongside your regular health coverage, it provides direct cash payouts based on the length of your hospital stay. That means you get extra support to handle the hidden costs of recovery, giving you one less thing to worry about while you heal.

Mortgage protection is a type of insurance designed to help homeowners keep their house if something unexpected happens. If you pass away, lose your job, or become too ill or injured to work, mortgage protection can cover your monthly mortgage payments (or pay off the loan entirely, depending on the policy). The idea is to give you and your family financial security and peace of mind, ensuring your home isn’t at risk if your income suddenly changes.

Retirement annuities are financial products that help you turn your savings into steady income for retirement. You invest money with an insurance company, and in return, they promise to pay you regular income—either for a set number of years or for the rest of your life. The goal is to provide peace of mind by ensuring you don’t outlive your savings and have predictable income in retirement.

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value account. The cash value can grow based on the performance of a stock market index (like the S&P 500), but it also has protections so you won’t lose money if the market goes down. This gives you lifelong coverage plus the potential to build extra savings you can use for things like retirement or emergencies.