Your security is not just a priority, it's EVERYTHING!

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Dedicated to Excellence

We offer clients a unique and quality experience by taking the time to get to know you and your specific needs. We'll check your providers and medications and complete all the calculations for you. PLUS, we complete an exclusive, FREE 12-point quality assessment on your behalf. Reach out to us today and I'll put my 21 years of experience to work for you.

Tracy Cornett - Licensed Principal Advisor

WHO WE SERVE

Kind, compassionate, consulting since 2003

Individuals and Families

Do you need to set up your own insurance coverage? Then you're in the right place. Whether you need just a short term plan to fill the gap or you need full blown major medical, we've got you!

  • Health Insurance

  • Dental, Vision & Hearing

  • Accidental Injury

  • Critical Illness

  • Disability Insurance

  • Long Term Care

  • Life Insurance

  • Retirement Planning

Medicare Members

Whether you're just turning 65 or you've had Medicare for years, we've got the solutions and the expertise you need to sail off unto your golden years well-prepared and worry free!

  • Medicare Advantage

  • Medicare Supplements

  • Medicare Part D Prescription Plans

  • Dental, Vision & Hearing

  • Travel Insurance

  • Long Term Care

  • Life Insurance / Final Expense

  • Retirement Planning

Small Business

Hiring and retaining top talent can be a losing battle without the right benefits in place. We have packages for businesses and budgets of all sizes. Let's get this thing growing together!

  • Health Insurance

  • Dental & Vision

  • Accident / Critical

  • Disability Insurance

  • Life Insurance

  • Key Person Life & Disability

  • Buy-Sell Agreements

  • Retirement Planning / Pension

CLIENT SOLUTIONS

Over 200+ carriers competing for your business!

HEALTH INSURANCE

  • ACA Major Medical

  • Short Term Gap Coverage

  • Catastrophic Only

Purpose of Coverage

Covers medical bills for inpatient, outpatient and prescriptions.

Your Risk

You have a 42% chance of using the ER this year. The average cost of an Injury is: $9,643, The average cost of a chronic illness is: $19,736, the average annual cost of cancer treatment is: $147,012.

Recommended For

Everyone All Ages.

Average Cost of Coverage

Prices are based on household size and income but most can expect to pay around 8% of their income towards health insurance premiums each year.

MEDICARE

  • Medicare Supplements

  • Medicare Advantage Plans

  • Medicare Part D RX Plans

Purpose of Coverage

Covers medical bills for inpatient, outpatient and prescriptions.

Your Risk

You have a 42% chance of using the ER this year. The average cost of an Injury is: $9,643, The average cost of a chronic illness is: $19,736 and the average annual cost of cancer treatment is: $147,012.

Recommended For

Medicare Members Only.

Average Cost of Coverage

$174.70 for Part B (outpatient)

$24 average for Part D

AND

$0-$99: Advantage Plan

OR

$99-$149: Supplement Plan

DENTAL & VISION

  • Dental & Vision Insurance

  • Dental & Vision Discounts

  • Hearing Included

Purpose of Coverage

Covers preventative and wellness like cleanings, x-rays, Basic services like fillings and extractions and major services like root canals and crowns.

Your Risk

For every $1.00 spent in preventative services, $3.00 is saved in future needs.

Recommended For

All Ages 1+

Average Cost of Coverage

Discount Plans start at $7.99 per person per month. Insurance plans are usually between $24-$40 per person per month.

ACCIDENTAL INJURY

  • Accidental Injury

  • Accidental Death & Dismemberment

Purpose/Risk

You have a 42% chance of using the ER this year with an average cost of an injury of $9,643. This is your highest risk, especially with kids in the home.

Recommended For

Those who might have a hard time coming up with their deductible suddenly and all at once.

Average Cost of Coverage

About $15 per person per month for $5,000 in coverage.

CRITICAL ILLNESS

  • Cancer, Heart, Stroke

  • Critical / Terminal

  • Living Benefits

Purpose/Risk

One out of every two people will develop some form of cancer in their lifetime, that's a 50% chance. A cancer diagnosis will cost the average family $52,000 of their own money over and above what their health insurance pays. This is due to loss of income (the average recovery time is 3-6 months), experimental treatments and services they need that health insurance doesn't cover.

Recommended For

Anyone age 26+ without these funds readily available and specifically earmarked for this purpose.

Average Cost of Coverage

$50,000 lump sum coverage for a 45 year old male in Arizona is $46.40 per month.

DISABILITY INCOME

  • Short Term Disability

  • Long Term Disability

  • Living Benefits

Purpose/Risk

You have a 25% chance of a disability before age 65 and most disability accidents occur outside of work, leaving you to pay for it yourself. What would happen to you or your family if you lost your ability to pay your bills? Social security disability wait times average eight months and 50% of initial claims are denied.

Recommended For

Experts agree, this is "must have" coverage for anyone currently earning a living.

Average Cost of Coverage

Depends on your annual income and the benefits selected under the plan. On average, you can expect to pay between 1%-3% of your annual income for disability insurance coverage.

LONG TERM CARE

  • LTC Insurance

  • Hybrid Coverage

  • Short Term Recovery

Purpose/Risk

You have a 70% chance of needing Long Term Care at age 65 and beyond with the average cost of care at over $100,000 per year. Long Term Care is not covered by health insurance, nor is it covered by Medicare. If you do not have this coverage, the only way to get it paid for is to spend down all of your own assets and then apply for Medicaid.

The Medicaid Program: To get Medicaid to pay for your Long Term Care, you must be able to qualify as low income and you must spend down your own assets first. They usually have long wait lists and will likely offer you the first bed available in the state with no regard for your location preference. They can also come after your family in probate court to recoup what they paid on your behalf.

Recommended For

 Ages 45+ mid to high income earners with assets to protect.

Average Cost of Coverage

There are a few different ways to get Long Term Care coverage. Premiums depend on age and other factors and can range anywhere from $90 per person per month all the way to $1,000 a month or more.

LIFE INSURANCE

  • Term Life

  • Perm Life

  • Living Benefits

Purpose/Risk

You have a 100% chance of death and it takes the average family ten years to recover after the loss of a breadwinner. Make sure your family doesn't lose their home or have to compromise their lifestyle if something were to happen to you.

Recommended For

Everyone! Small Businesses, working parents, stay-at-home parents, single people without kids, empty nesters and retirees.

Average Cost of Coverage

A 10-year, $250,000 term life policy is typically between $21 and $29 per month for a healthy 20 to 40-year-old.

RETIREMENT

  • IRA / 401K

  • Wealth Accumulation

  • Annuities

Purpose/Risk

You'll need approximately six different income streams upon retirement. You'll also need to earn 75% of the income you were earning at age 65. Social security is only designed to cover 33%.

Recommended For

When should you start a retirement plan? It depends on you and your goals but the younger you start, the more time your money has to grow and compound. That said, it's never too late to start retirement planning, so don't feel like you've missed the boat if you haven't started.If you're already well on your way to meeting your retirement goals, congratulations! We can help with roll-overs and advanced planning advice.

TRAVEL COVERAGE

  • Trip Interruption

  • Emergency Evacuation

  • Major Medical

Purpose/Risk

Most of us can’t afford to lose our vacation investment. Let’s say you pay $7,000 for a once-in-a-lifetime luxury cruise around the Mediterranean for your 25th wedding anniversary. The day before sailing, your mother suffers a serious fall and ends up in the hospital. When you call the cruise line and explain what happened, they’re sympathetic — but you’re not getting your money back. Company policy clearly states that there are no refunds if you cancel within 14 days of departure.

ALSO: Most U.S. health insurance only covers international medical up to a particular dollar amount.

Recommended For

 All international travelers

Average Cost of Coverage

You can expect to spend approximately 5%-10% of the cost of your trip for this coverage.

SUPPLEMENTAL

  • Fixed Benefit

  • Reimbursement Coverage

  • Hospital Indemnity

Purpose/Risk

This coverage is designed to reimburse you for out of pocket healthcare expenses that your major medical doesn't cover. Your health insurance requires you to meet deductibles, copayments and coinsurance. This plan pairs well with your major medical insurance or medicare advantage, but wouldn't be sufficient coverage as a stand alone plan.

Recommended For

Members concerned about meeting your out of pocket healthcare expenses.

Average Cost of Coverage

It depends on age, health and how much coverage you need. Seniors who pair this with a Medicare Advantage Plan can expect to pay approximately $55 per month.

POLICY REVIEWS

  • Review and compare current coverages to your tax and retirement goals

Purpose/Risk

Purpose: This is a time for you and your agent to discuss your specific needs and goals and to make sure your coverage aligns well with those.

Risk: If you don't have your policies and coverages reviewed each year, you could be missing out on savings. You could be underinsured or over insured. You also run the risk of not staying on track with your tax and retirement goals.

Needs change throughout your life and those needs should be reassessed by a professional like me at least annually.

Recommended For

Every policy holder at least annually.

When it's Recommended

  1. Annually at minimum

  2. Marriage or divorce

  3. A child or grandchild who is born or adopted

  4. Significant changes in your health or that of your spouse or domestic partner

  5. Taking on the financial responsibility of an aging parent

  6. Purchasing a new home

  7. A loved one who requires long-term care

  8. Refinancing your home

  9. Coming into an inheritance

TESTIMONIALS

What our clients have to say!

M Gearing

Having to get your own insurance coverage can be so confusing and overwhelming with the thousands of options that are available. Tracy has been our broker for years and I recommend her to everyone. She makes sure her clients are well taken care of!

C Summerset

Oh my gosh, I can not say enough about how helpful and wonderful Tracy is! She patiently and thoroughly answered my numerous questions and she was quick at returning her responses. We spoke on the phone a couple times, as well as through email and I found her personality to be delightful and enjoyable! What a gem of a woman! She obviously takes great pride in being such a wonderful help to all of us who get overwhelmed with all the details of the many choices for insurance. Thank you so much Tracy!!

J Bates

Tracy is so awesome to work with and always goes the extra mile to make sure my family has the right coverage at the best price!