Independent Life & Health Insurance Agency
More options. One independent agency.
Compare life insurance, health coverage, and Medicare options from multiple carriers, with licensed help when you want it.
Our guidance is free.
The carrier pays us, not you.
Where to start
Find the path that fits where you are.
Looking for life insurance?
Term, whole life, permanent coverage, and final expense from multiple carriers. We explain what each one does before you choose.
Explore life insuranceNeed health coverage under 65?
Individual and family health plans. We compare what's available where you live against your budget and the doctors you want to keep.
Explore health insuranceTurning 65 or confused by Medicare?
Medicare Advantage, Medigap, Part D. It can feel like alphabet soup. We make the differences clear so you can choose.
Explore MedicareNot sure what you need?
That's common. Book a free consultation and we'll work out what fits your situation together.
Let's talkShop life insurance online
See your options before you talk to anyone.
Compare life insurance rates from multiple carriers online. No phone call is required just to see pricing, and if you find coverage that fits, you can continue into the application online. Some applicants qualify to complete underwriting without a traditional medical exam, depending on the carrier, age and coverage amount.
- Compare multiple carriers
- No contact details required
- Accelerated underwriting may be available
- Apply when you're ready
What the quoter asks
- Date of birth
- March 1991
- Gender
- Male
- State
- New Jersey
- Coverage amount
- $500,000
- Policy type
- 20-year term
- Nicotine or cannabis
- No
- Health, roughly
- Good
No name. No email. No phone number. Nobody calls you.
Why independent
One agency. More than one insurance company.
We aren't tied to a single carrier. That means we can compare the options available to you instead of starting with one company's product and trying to make it fit.
- More options
- We work with multiple insurance carriers across life, health, and Medicare rather than one company's shelf.
- Real comparison
- We compare pricing, coverage, underwriting, and the tradeoffs that matter between the options available to you.
- Help through the process
- From choosing coverage through application and policy service, there's an agency to come back to.
The agent
Four years.
Thousands of clients.
Twenty-five states.
Justin Bautista
Independent insurance agent
I've been at this four years. In that time I've sat with thousands of clients across twenty-five states, comparing plans from more than two dozen carriers, helping people pick what actually fits their situation.
None of them want a pitch. They want someone to take the time to answer their questions honestly.
That experience shapes how the agency works now: understand the situation, compare what's available, explain the tradeoffs, and help people move when they're ready.
Learning center
Get the basics before we ever talk.
Plain-English guides on the questions we hear most. No sign-up and no pitch. Read what you need, then come prepared.
Carriers we shop for you
- Aetna
- Allianz
- Allstate
- Ambetter
- American Heritage Life
- AmeriHealth
- Ameritas
- Anthem
- Assurity
- Banner Life
- Brighthouse Financial
- Christus
- Cincinnati Life
- Companion Life
- Corebridge Financial
- Devoted
- Equitable
- EquiTrust
- Fidelity & Guaranty
- Fidelity Life
- Foresters
- Freedom
- Genworth
- Gerber Life
- Great Western
- Guarantee Trust Life
- Guardian
- Healthspring (Formerly Cigna)
- Highmark Blue
- Horizon Blue
- Humana
- Independence Blue Cross
- Jefferson
- John Hancock
- LaFayette Life
- Lincoln Financial
- MassMutual
- Mutual of Omaha
- National Life Group
- National Western
- Nationwide
- New York Life
- North American
- Optimum
- Oscar
- Oxford Life
- Pacific Life
- Penn Mutual
- Petersen International
- Principal
- Protective
- Prudential
- Sagicor
- SBLI
- Securian
- Sun Life
- Symetra
- Transamerica
- United Health One
- United Healthcare
- United Home Life
- United of Omaha
- Unum
- Voya
- VSP
- Wellcare
- Wellpoint
- Zurich
Licensed in 25 states across the U.S.
We work with clients in Alabama, Arizona, Arkansas, California, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Montana, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia. Whether you need life insurance, Medicare guidance, or supplemental coverage, we can help in any of them. All consultations are conducted virtually via Google Meet or phone.
Don't see your state? Reach out anyway and we'll point you toward someone licensed where you live.
Ready when you are
Start with rates, or start with a conversation.
Shopping for life insurance? Compare rates online, no contact details required. Need help with life, health, or Medicare? Talk with a licensed agent.
No cost. No commitment.
Know someone who could use straight answers about insurance?
We never sell your information or share it for marketing.