All our coverage, side by side—so you can review, compare and choose with ease.
All our coverage, side by side—so you can review, compare and choose with ease.
Don't know where to start?
Begin here and choose the question that fits.
Want to be prepared for funeral costs?
Try Insight Plan Final Expense — simple, steady coverage to ease costs for loved ones.
On Medicare and worried about out-of-pocket bills?
Try Insight Plan Health — helps cover deductibles, copays, and coinsurance.
Want a cushion if a serious illness happens?
Try Insight Plan Critical Care — a lump-sum cash benefit after a covered diagnosis.
Hoping for steady income in retirement?
Try Insight Plan Retirement — turn savings into dependable income you can count on.
Want strong protection now—without a lifetime price tag?
Try Insight Plan Life – Term — high coverage for a set period (10–30 years) at a budget-friendly cost.
Prefer stable, predictable costs and protection that doesn’t end?
Try Insight Plan Life – Whole — lifelong protection that never expires, plus a cash value that can grow over time for future needs.
Don't know where to start?
Begin here and choose the question that fits.
Want to be prepared for funeral costs?
Try Insight Plan Final Expense — simple, steady coverage to ease costs for loved ones.
On Medicare and worried about out-of-pocket bills?
Try Insight Plan Health — helps cover deductibles, copays, and coinsurance.
Want a cushion if a serious illness happens?
Try Insight Plan Critical Care — a lump-sum cash benefit after a covered diagnosis.
Hoping for steady income in retirement?
Try Insight Plan Retirement — turn savings into dependable income you can count on.
Want strong protection now—without a lifetime price tag?
Try Insight Plan Life – Term — high coverage for a set period (10–30 years) at a budget-friendly cost.
Prefer stable, predictable costs and protection that doesn’t end?
Try Insight Plan Life – Whole — lifelong protection that never expires, plus a cash value that can grow over time for future needs.
Still unsure? We’ll walk you through —
kindly, clearly, and at your own pace.
We'll Stand With You Through Thick and Thin
We'll Stand With You Through Thick and Thin
Your Partner In Every Challenge And Triumph
Each of these products address different needs individually, but altogether they create a complete and complex safety net. Whether it's immediate protection through final expense coverage, long-term planning with annuities, or lifetime security with whole life insurance, our role is to explain these options clearly. By comparing side by side, you can build a plan that gives you confidence today and peace of mind tomorrow.
Insight Plan Final Expense
A simple, caring way to help loved ones cover end-of-life costs—funeral, burial/cremation, and final medical bills. Easy to apply (often no exam). Benefits are paid to your chosen person so they can handle expenses without extra stress.
Coverage: Usually $5,000–$30,000
Premiums: Steady and predictable
Eligibility: Broad ages short health questions
Waiting period: Some plans pay immediately; others have a brief wait (we’ll explain)
Payout: Tax-free; use for any need
Good fit: If you want to ease costs without overinsuring
Insight Plan Health
Original Medicare leaves gaps. Insight Plan Health helps fill them—covering many copays, coinsurance, and deductibles—so your costs feel more predictable. You can see any doctor who accepts Medicare nationwide, and you can choose a coverage level that fits your needs and budget.
Helps with: Out-of-pocket costs that Original Medicare doesn’t pay
Doctor access: Any provider that accepts Medicare—no networks
Premiums: Monthly premium varies by plan letter, age, and location
Good For: People who want fewer surprise bills and broad provider choice
Insight Plan Critical Care
A warm financial cushion if life takes an unexpected turn. If you’re diagnosed with a covered condition (like cancer, heart attack, or stroke), this policy pays cash directly to you—so you can focus on care, not invoices.
Use it your way: Treatment costs, travel to specialists, groceries, childcare, or time off work.
Simple to understand: One lump-sum payment after a covered diagnosis (policy will list the conditions).
Fits alongside current coverage: Works with your health or life insurance to ease the gaps.
Easy to start: Short application; benefit amount and age help set the price.
Good to know: Some plans include a brief waiting/survival period—we’ll explain this clearly up front.
Great for: Anyone who wants breathing room during recovery, especially with high deductibles or variable income.
Insight Plan Retirement
A calm, steady way to turn savings into income you can count on at retirement. Your money grows tax-deferred, and later you receive guaranteed payments—so your monthly budget feels predictable.
What it does: Creates dependable income to complement Social Security or a pension.
When income starts: Begin now (immediate) or later (deferred)—your choice.
How it grows: Fixed options offer steady, guaranteed growth.
How you fund it: Use a lump sum or roll over savings.
Access: Most have a time period with charges for early withdrawals—we’ll make this clear.
Payout choices: Income for life or for a set number of years.
Good fit for: Anyone who wants predictability and peace of mind in retirement.
Insight Plan Life - Term
Simple, budget-friendly protection for a set time—often 10, 20, or 30 years. It’s designed to cover you during the years with bigger responsibilities, like a mortgage or raising kids. If you pass away during the term, your loved ones receive the benefit, helping them stay financially steady.
What it does: High coverage at a low cost for the years that matter most.
Term lengths: Commonly 10/20/30 years—match it to your goals or mortgage timeline.
Premiums: Typically lower than permanent insurance for the same coverage amount.
Who it fits: Families, new homeowners, and anyone needing strong protection on a budget.
Convertibility: Many policies let you switch to permanent coverage later (before a set age/date).
Renewal: You can often renew after the term, but rates will be higher at that time.
Insight Plan Life - Whole
Lifetime protection that never expires as long as premiums are paid—plus a cash value that grows over time. It pairs steady coverage with long-term savings you can access if needed, all in one simple plan.
What it does: Provides a guaranteed death benefit for life.
Premiums: Stay the same—no increases as you age.
Cash value: Builds steadily; can be borrowed or withdrawn for future needs.
Access: Loans are quick and flexible, but reduce the benefit if unpaid.
Who it fits: People who want lifelong protection, stable costs, and a built-in savings component for long-term plans or legacy goals.
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