Help for the uninsurable

I am an independent life and health insurance agent licensed in the state of Maryland and Virginia. I am appointed with most of the major companies in the area. Since I am an independent agent I have the ability to search for the company that has the best product to fit your needs

This site provides a place where low and middle income families who need help but make too much money to qualify for services can get the help they need. If you are personally seeking services for yourself, a family member or you know of someone in need of help feel free to direct them to my site.

If you are a person with a pre-existing condition* such as cancer, diabetes or a history of any other serious illness and have tried to get life, health or any other type of insurance in the past and were declined and would like to know if you are eligible for coverage and what it could cost if you qualify feel free to request the information you need no matter what your past health challenges have been. I’ll provide you with some important steps you should take before you submit an application.

If you are a small business owner and would like to provide affordable employees benefits to your employees you can find a solution to your problems. Find out if your company is compliant with the new healthcare laws.

If you will be turning 65 soon and have questions about how to transition from individual health insurance into Medicare we can be a great resource for you.

I have compiled a list that I call “Useful Websites”. You can access the list by clicking on the “Useful Websites” link at the top of the page. I have personally used many of these services.  I will also provide a comments page on the site where You can share other websites that have services that you have found useful along with your comments on how these sites have helped you.

There are also articles that explain different aspects of insurance, how you can choose the right kind of insurance for you and your family, and definitions to common terms that some find confusing. If you have a question, feel free to contact me. I will do my best to provide you with an answer. All of my articles will be included on the “Articles” section of this site. Occasionally I will provide links to other sites that can provide you with more insight on important subjects.

You will be able to obtain free no obligation insurance quotes. You can get information without having to give out all of your personal contact information. You decide how much information you want to reveal. The more information you provide the more accurate your quote will be.
I have also provided you with my story that will help you to understand what I have been through and help you to know what led me to creating this site.

This site is a work in progress designed entirely by me. It’s not perfect. It will get better with time. I hope you enjoy it.

“If you sit around waiting for perfection you will never get started.”__ Sheron S.

*A pre-existing condition is any disease past or present that you feel would make it difficult for you to qualify for life or certain types of health or supplemental insurance plans. Since 2014 all traditional individual health insurance plans are subjected to the new health care law and are guaranteed issues. You can purchase a plan regardless of any preexisting condition.