Insurance can be complex and difficult to navigate alone. I can help explain insurance and work with you to insure you and your family choose coverage that actually fits your life, health, family, and financial situation. I work with many carriers to find you the best coverage.
Alan Hunt
Insurance Broker
Npn # 19798185
I'm a veteran who served in the U.S. Navy and a retired Executive Chef. As a chef I am always paying attention to detail and making sure that my customers get excellent service. I will always make sure that you're needs and budget is always front and center for your Life Insurance and Healthcare coverage. As a Veteran i will always take care of you and treat you with dignity and the utmost respect.
Life Insurance
Whole Life Insurance
Whole life insurance is a type of permanent life insurance that provides lifelong coverage as long as premiums are paid. In addition to offering a guaranteed death benefit to beneficiaries, whole life policies also build cash value over time at a fixed, guaranteed rate. The cash value grows on a tax-deferred basis and can often be borrowed against or withdrawn during the policyholder’s lifetime. Premium payments typically remain level throughout the life of the policy, making it a stable and predictable form of coverage. Because of its guaranteed benefits, cash value accumulation, and long-term financial security, whole life insurance is commonly used for family protection, estate planning, wealth transfer, and supplemental financial planning.
Final Expense Insurance
Final expense life insurance is a type of permanent life insurance designed to help cover end-of-life costs such as funeral expenses, burial costs, medical bills, and other outstanding debts. These policies typically offer smaller coverage amounts and are intended to provide affordable protection for seniors or individuals who may not qualify for larger traditional life insurance policies. Final expense insurance often features simplified underwriting, meaning applicants may not need a medical exam and can qualify by answering a few health questions. Because premiums are generally fixed and coverage lasts for life as long as payments are made, final expense insurance provides families with financial support and peace of mind during a difficult time.
Term Life Insurance
Term life insurance is a type of life insurance that provides coverage for a specific period of time, such as 10, 20, or 30 years. If the insured person passes away during the policy term, their beneficiaries receive a death benefit, but if the term ends while the person is still living, the coverage expires with no payout. Term life insurance is typically the most affordable type of life insurance because it does not build cash value and is designed purely for protection. It is often used to cover temporary financial needs such as income replacement, paying off a mortgage, or providing for dependents while they are still financially reliant on the policyholder.
Annuities
Annuities are financial products offered by insurance companies that are designed to provide a steady stream of income, often during retirement. Individuals make either a lump-sum payment or a series of contributions, and in return the annuity grows on a tax-deferred basis until withdrawals begin. Annuities can provide income immediately or at a future date and are available in several forms, including fixed, variable, and indexed annuities, each with different levels of risk and growth potential. Many people use annuities to help create guaranteed retirement income, protect savings from market volatility, and reduce the risk of outliving their money. Common features may also include death benefits, lifetime income options, and customizable riders for additional financial protection.
Indexed Universal Life Insurance
Indexed universal life insurance (IUL) is a type of whole life insurance that provides lifelong coverage while also building cash value over time. The cash value growth is tied to the performance of a stock market index, such as the S&P 500, but the money is not directly invested in the market. IUL policies typically offer flexible premium payments and adjustable death benefits, allowing policyholders to adapt coverage to their financial needs. Many policies include a minimum guaranteed interest rate to help protect against market losses, while still offering the potential for higher returns during strong market performance. Because of its combination of life insurance protection, tax-advantaged cash value growth, and financial flexibility, indexed universal life insurance is often used for long-term financial planning, retirement income strategies, and wealth transfer.
Variable Universal Life Insurance
Variable universal life insurance (VUL) is a type of whole life insurance that combines lifelong coverage with investment opportunities and flexible policy features. In a VUL policy, the cash value can be invested in a variety of subaccounts similar to mutual funds, allowing policyholders to potentially grow their savings based on market performance. The policy also offers flexible premium payments and adjustable death benefits, giving individuals the ability to adapt coverage as their financial situation changes. Unlike other forms of universal life insurance, the cash value and death benefit in a VUL policy can increase or decrease depending on investment results, meaning there is greater growth potential but also greater financial risk. Variable universal life insurance is commonly used by individuals seeking long-term life insurance protection along with investment and wealth-building opportunities.
Health Insurance
Medicare
Medicare is a federal health insurance program mainly for people age 65 and older, and for some younger people with disabilities or certain medical conditions. Guaranteed coverage with no denial for pre-existing conditions. Choose between Original Medicare with a PDP (prescription drug plan), Medicare Advantage with or without PDP plan, or a Medicare Supplement (Medigap) with a PDP plan.
ACA-Individual Marketplace Insurance
ACA is the marketplace where people without employer health insurance can get health insurance coverage through the federal or state exchanges. Government provides subsidies and tax credits to lower premiums and out of pocket cost. People with pre-existing conditions are qualified (no denials or higher premiums).
Accidental Insurance
Accidental insurance is a supplemental that pays direct cash benefits to help cover out of pocket expenses resulting from accidental injuries (broken bones, burns, or ambulance rides). It compements, rather than replaces major medical insurance. It offers financial protection to handle gaps in coverage and unexpected expenses during recovery.
Critical Illness Insurance
Critical Illness Insurance is a supplemental policy that provides a lump-sum cash benefit upon diagnosis of a covered, serious condition( cancer, heart attack, stroke, major organ transplants, coma, and renal failure). It helps cover out-of-pocket medical costs, deductibles, and living expenses during recovery. Benifits are paid directly to the policyholder, regardless of other insurance.
Dental, Vision, and Hearing
There are some life and health insurance companies that offer individual DVH plans for people that don't have employer coverage such as self-employed, veterans, or seniors that are looking to enhance their coverage. Any individual can apply for coverage. Plans can include just dental or vision. You can also combine them all in one plan.
Hospital Indemnity Insurance
This is a supplemental insurance that pays you cash benifits if you’re hospitalized. Pays a fixed dollar amount (per day, per stay, or per service) when you’re admitted to a hospital. The money is paid directly to you and not the hospital. You can use the cash for anything (medical bills, deductibles, rent, groceries, or lost income). Extra financial support during serious illness or injury
Insurance Companies
Aetna
Founded in 1853 at Hartford, Connecticut. Aetna is a major U.S. health insurance company that provides a wide range of health care coverage and related services to individuals, families, employers, and government programs. It was founded in 1853 and is now a subsidiary of CVS Health.
American Amicable
Founded in 1910 at Waco, Texas. It is rated "A" (Excellent) by AM Best, AMAM specializes in individual life insurance and annuity products with a focus on final expense, term, and universal life. Known for no-medical-exam options and competitive underwriting for niche markets, it offers fast, simplified, and accessible coverage.
AmeriHealth Caritas
Founded in 1983 at Philadelphia, Pennsylvania. AmeriHealth Caritas is a leading national Medicaid managed care organization focusing on underserved, low-income, and chronically ill populations. Founded in 1983, it serves roughly 5 million members across 13 states and D.C. with Medicaid, Medicare (D-SNPs), and CHIP plans. They emphasize a "whole-person" care model that integrates health services with social needs.
Americo
Founded in 1946 at Indiana as The College Life Insurance Company of America, it later moved to Kansas City, Missouri and became Americo. It is rated "A" (Excellent) by AM Best. It offers competitive, simplified-issue life insurance, universal life, and annuity products.
AmBetter
Founded in 2014 at St Louis, Missouri. Ambetter Health is part of Centene, a U.S. health insurance provider that offers affordable individual and family plans through the Health Insurance Marketplace created under the Affordable Care Act (ACA). It is part of Centene Corporation, a large managed care and healthcare company.
Anthem/Elevance
Founded in 1946 at Indianapolis, Indiana when it was Mutual Hospital Insurance Inc. Anthem is a major U.S. health insurance provider that offers a wide range of medical coverage options for individuals, families, and employers. It is also an independent licensee of the Blue Cross Blue Shield Association in several states, meaning it sells plans under the Anthem Blue Cross and Blue Shield brand in those regions.
Blue Cross/Blue Shield
Founded in 1929 in Dallas, Texas as Blue Cross and Blue Shield was founded in 1939. They both combined in 1982 as Blue Cross and Blue Shield (BCBS). It insures around 118 million customers through 33 independent, locally operated companies. It is operates in all 50 states offering Medicare Advantage, ACA, and employer health coverage
CareSource
Founded in 1989 at Dayton, Ohio, Originally established to manage Medicaid plans. It is a non-profit national managed care organization serving over 2 million members. It specializes in government-sponsored health programs, including Medicaid, Medicare and ACA health plans.
Christus Health
Founded in 1999 at Texas, through the merger of the Sisters of Charity Health Care System (Houston) and the Incarnate Word Health System (San Antonio). It is a Catholic, non-profit health system based in Irvine, Texas with roots going back to 1866. It offers Medicare Advantage, individual, Family, and employer sponsored health plans primarily serving Texas and Louisiana.
CICA
Founded in 1972 at Austin, Texas. Citizen Inc subsidiary, is a U.S.-based insurer thats been around since 1972, specializing in affordable, simplified-issue, and guaranteed-issue whole life insurance. With over 50 years of experience, CICA offers final expense coverage for individuals aged 0–85. They are known for providing coverage for funeral costs, medical bills, and living benefits, often in multiple languages.
Combined
Founded in 1922 at Chicago, Illinois. Originally named the Combined Registry Company then in 1947 changed its name to Combined Insurance Company of America. It became part of the Chubb Limited in 2016. Chubb has a A++ (Superior) rating from AM Best and a AA (Very Strong) rating from S&P/Fitch. Combine specializes in Life, Supplemental Accident, and Disability Health insurance for group and individual policies.
Corebridge
Founded in 2022 at Houston, Texas, it was formally AIG which was founded in 1919. Corebridge is a major U.S. provider of life insurance, annuities, and retirement products that was previously part of American International Group (AIG). Corebridge Financial is one of the largest life insurance and retirement solutions companies.
Devoted
Founded in 2017 at Waltham, Massachusetts. Devoted Health is a health insurance company that provides Medicare Advantage (Part C) plans, which bundle Medicare Part A (hospital), Part B (medical), and usually Part D (prescription drug) benefits into one coordinated plan.
Foresters
Founded in 1874 at Newark, New Jersey. Foresters is a fraternal benefit society and life insurance provider that’s been helping families with financial protection and community support. Provides a range of term, whole, and universal life insurance policies designed to help protect families’ long-term financial security.
HealthSpring
Founded in 2000 at Nashville, Tennessee. In 2025 It bought Cigna's Medicare Advantage, Supplemental, and Part D plans. It is a brand under Health CareService Corportation (HCSC). It focuses on $0 premium options, comprehensive benefits (dental,vision, and hearing), and tailored care.
Humana
Founded in 1961 at Louisville, Kentucky. Humana is a leading American health insurance provider and health care solutions company that primarily offers medical and specialty insurance products, with a significant focus on Medicare and Medicaid beneficiaries. Offers medical and supplemental plans to individuals, including Medicare Advantage and state-based Medicaid contracts.
Kansas City Life
Founded in 1895 at Kansas City, Missouri. The company offers a range of financial products including life insurance, annuities, and group insurance plans. Known for its long history and financial stability focusing on providing protection and financial security to individuals, families, and businesses through traditional and investment-linked insurance solutions.
Manhattan Life
Founded in 1850 at Houston,Texas. Manhattan Life is one of the oldest and most reliable health and life insurance companies in the United States. It is currently a privately held group serving individuals, seniors, and employers across all 50 states.
Mutual of Omaha
Founded in 1909 at Omaha, Nebraska. Mutual of Omaha is a Fortune 500 mutual insurance and financial services company headquartered in Omaha, Nebraska. As a mutual company, it is owned by its policyholders rather than outside stockholders. The company offers life insurance, Medicare Supplementals, DVH, supplamental accident and cancer, heart, and stroke coverage.
Oscar Health
Founded in 2012 at New York City. Oscar Health Insurance is a technology-driven health insurance company focused on making insurance more accessible, affordable, and user-friendly through a, personalized, and digital-first approach. Serving over 2.1 million members as of late 2025, Oscar offers individual, family, and small group plans, with a strong presence in the Affordable Care Act (ACA) marketplace
Securico Life
Founded in 1984, at Austin, Texas. Securico Life Insurance company specializes in final expense (burial) whole life insurance for individuals aged 50–80. They offer accessible, permanent coverage with various underwriting options—Preferred to Guaranteed Issue—designed to cover funeral and medical costs, often including accelerated death
Sentinal Security
Founded in 1948 at Salt Lake City, Utah. Sentinal Security Life specializes in final expense life insurance, annuities, and senior supplamental products in 36 states. Known for Final Expense policis with level premiums and no medical exams. They focus on funeral funding and retirement security.
Silac
Founded in 1935 at Salt Lake City, Utah. Silac Insurance Company was originally known as Equitable Life & Casualty Insurance Company. It is Utah's oldest life insurance company and it specializes in Fixed and Fixed-Indexed Annuities
Transamerica
Founded in 1928 at San Fancisco, CA . Transamerica is a major American financial services company primarily providing life insurance, retirement solutions, and investment products. It is a wholly-owned subsidiary of Aegon. with a AM Best rating of "A", (excellent).Offers term life, whole life, universal life, final expense, variable annuities, and indexed annuities
United Healthcare
Founded in 1977 at Minneapolis, Minnesota. UHC is the largest American health insurance provider for Medicare Advantage plans. Also provides Medicare Supplemental plans and ACA plans
Wellcare
Founded in 1985 at Tampa, Fl, WellCare Insurance (officially WellCare Health Plans, Inc.) is a U.S. health insurance company that specializes in managed care for government-sponsored programs, mainly Medicaid, Medicare Advantage, and Medicare prescription drug (Part D) plans for individuals.
Woodmen
Founded in 1890 at Omaha, Nebraska. Woodmen Life Insurance (Woodmen of the World Life Insurance Society) is a not-for-profit fraternal benefit society and insurance provider. They provide whole, term, and family term life as well as Medicare Supplament policies.
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Alabama 3002158096
Arkansas 98185
Arizona 19798185
Georgia 3554549
Colorado 813840
Florida W719347
Iowa 19798185
Kentucky DOI-1233623
Louisiana 1047763
Maryland 3002804068
Minnesota 19798185
Mississippi 48827274
Missouri 10985402
North Carolina 3002756281
New York LA-1753722
Ohio 1461755
Oklahoma 3002773653
South Carolina 19798185
South Dakota 40658270
Tennessee 3002149646
Texas 2898613
Virginia 1331819
Washington 1176069
Wisconsin 19798185
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