Frequently asked questions

No. Your first consultation — including a Medicare assessment — is completely free and there’s no obligation. We’d rather you feel informed than pressured.

Our guidance is provided at no direct cost to you. As an independent agency, we’re compensated by the carriers when you enroll — which means our advice stays focused on finding the right fit for your needs, not on selling one company’s product.

Whatever is comfortable for you. We’re happy to meet face-to-face at our local office, talk over the phone, or connect virtually — you choose.

We proudly serve individuals and families in Connecticut and the surrounding communities. Give us a call and we’ll let you know how we can help in your area.

Most people can review and change coverage during the Annual Enrollment Period each fall (October 15 – December 7). Some also qualify for Special Enrollment Periods after certain life events, like moving or losing other coverage. We’ll help you understand which windows apply to you.

In short, Medicare Advantage (Part C) bundles your coverage — often including drug and extra benefits — through a private plan with its own network. A Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs. Which is “better” depends entirely on your doctors, prescriptions, travel and budget — that’s exactly what we help you compare.

Plans and prices change every year, and so do your needs. Each year we’ll review your current coverage against what’s newly available to make sure your plan still fits — at no cost to you.

Ideally a few years before you plan to claim. The age you file can significantly change your monthly benefit for life, so it pays to run the numbers early and coordinate it with the rest of your retirement income.

Yes — certain annuities are designed to provide guaranteed income you can’t outlive. All guarantees are backed by the claims-paying ability of the issuing insurance company, so we help you choose reputable carriers and structures that match your goals and comfort with risk.

Absolutely. Bring what you have and we’ll review it honestly. If your current coverage is a good fit, we’ll tell you to keep it. If there’s a gap or a better value, we’ll show you the options.