Independent Life & Health Insurance Agency
Compare your options before you choose.
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
Start with what you need.
Looking for life insurance?
Term, whole life, , and 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, , . We compare the things that can change the decision: your doctors, prescriptions, premiums and out-of-pocket costs.
Explore MedicareNot sure what you need?
Start with a call with Justin. He'll help narrow down which kind of coverage makes sense before anything gets quoted.
Let's talkShop life insurance online
See your options before you talk to anyone.
See rates from multiple carriers online. No phone call is required just to compare pricing. If something fits, you can continue into the application online. Final pricing depends on the carrier's decision. Some applicants can complete underwriting without a traditional medical exam; that depends on the carrier, your age, coverage amount and health history.
- 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
- Side by side: premiums, coverage structure, requirements and the differences that could change your decision. For health and Medicare, that can include doctors, prescriptions and networks.
- Help through the process
- From choosing coverage through the application and the questions that come afterward, Justin is the person you come back to.
The agent
Four years.
Twenty-five states.
Justin Bautista
Licensed insurance producer
Justin has been in insurance for four years and is licensed in twenty-five states. He handles the insurance conversations himself, from the first call through the application and .
I have seen a lot of frustration caused by the process itself. People get different answers, buy policies they do not fully understand, or get bounced from person to person. That is why I started this agency: to make the process simpler and easier to follow.
So the agency runs on four rules. Justin stays with your case from the first insurance conversation through policy delivery. We compare the available options before recommending one. We explain the differences that could change your decision. And you do not have to decide during the call.
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.
Serving clients 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 on life insurance, Medicare and supplemental health coverage. Product and carrier availability varies by state. Every consultation is by 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.
Life insurance rates are online, with no contact details required. For health, Medicare, or help comparing your options, book a call with Justin.
No cost. No commitment.
If someone you know is sorting out insurance, send them this page.
How referrals workWe never sell your information or share it for marketing.