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Our Suite of Individual Benefit Options
Health Insurance Options
Health insurance premiums increased substantially in 2026, and it's our goal to help you save money while finding the best coverage.
Available options include:
Traditional ACA Health Insurance Plans
Single-Employee Group Health Insurance
Fixed-Indemnity Health Plans (first-dollar coverage)
Hospital Indemnity/GAP plans (to cover leftover medical expenses)
Cash Benefits (paid to you for medical & non-medical costs)
Med-Quest (Medicaid) Qualification
Insurance premiums can be as low as $21/month (for individuals) & $51/month (for families)!
Dental · Vision · Hearing
Protect your smile, sight, and hearing, on your terms. Choose an all‑in‑one DVH bundle (Humana Extend 1250 / 2500 / 5000) or pick standalone dental or vision coverage. All plans include access to large national networks and simple, online enrollment. Benefits and availability vary by state; see plan documents for details.
Dental policies as low as $24.99/month
Vision policies as low as $15.49/month
Combination policies as low as $43.99/month
Get Paid When Injuries Happen
Accidents don't wait for a convenient time, and neither should your benefits. Our ManhattanLife Accident & Injury Insurance pays cash directly to you whenever someone in your family gets hurt, regardless of what your health insurance does or doesn't cover.
Whether it's a trip to urgent care, a broken bone, a surgery, or a hospital stay, the money lands straight in your bank account and you can use it for anything. Co-pays, missed work, groceries, rent. Whatever you need.
Individual plan = $25/month, up to family coverage = $51/month!
Protect Your Income
Disability coverage protects individuals by providing a regular income if they become disabled and are unable to work due to illness or injury. This coverage is crucial for freelancers, self-employed contractors, and anyone without access to state disability insurance or traditional employer-sponsored coverage.
Many self-employed individuals don't contribute to state disability insurance (TDI), leaving them financially vulnerable if they cannot work. Our Disability Income Insurance provides a safety net by replacing lost income, helping cover essential expenses such as rent, utilities, groceries, and loan payments.
Rates start out as low as $5.92/month (for $1,000/week benefit)!
Instant-Approval Life Insurance up to $1M
Life insurance is more than just a policy; it's crucial for protecting our families and the businesses we've passionately built.
Our life insurance offerings go up to $1,000,000 of instant-approval coverage and include flexible Term Life Insurance with Return of Premium (ROP) and Whole Life Insurance, giving you options that meet both short-term and lifelong needs. Explore the details of each plan to discover which option best fits your goals and financial situation.
Rates start out as low as $9.79/month (for $250,000)!
Senior Benefits - Protecting Your Independence & Your Savings
Planning ahead for home health care, short-term care and long-term care are some of the most important financial decisions you can make, and one of the most overlooked.
Whether you're approaching retirement or caring for a loved one who is, the right coverage can mean the difference between choosing where and how you receive care, versus having that choice made for you.
We offer three senior-focused benefit options that work together to protect your independence, preserve your savings, and give your family peace of mind, at every stage of the aging process.
Full List of Cash-Benefits Programs & Carriers
Most of the benefits listed above PAY CASH DIRECTLY TO YOU in the event of Injuries, Illnesses, Hospital Stays, and major health events like Cancer or Critical Illnesses. They act as a financial cushion, helping to cover expenses that regular health insurance was never designed to cover, such as lost income, out-of-pocket costs, travel for treatment OR most importantly, your regular monthly bills.
These benefits typically cost approx. $2-$8/week for individuals, and just a few dollars more to cover the entire family!
Cash Benefits available through Mana Insurance Solutions
(by Carrier)
ManhattanLife
Accident/Injury Coverage (includes wellness & $50k AD&D)
Hospital/GAP Plans (to help cover out-of-pocket expenses)
Critical Illness Plans (lump-sum payment & ongoing payments)
Short-Term Care & Home Health Care
Dental, Vision & Hearing (in select states)
Assurity
Disability/Income Protection (short-term & long-term)
Term Life Insurance (w/ return of premium)
Whole Life Insurance (builds cash value)
Business Owner Expense Insurance (disability for their business)
Humana
Dental, Vision & Hearing (HI)
Banker's Life
Long-Term Care
Aflac
Final Expense