Life Insurance, Medicare & Health Coverage Plans
From guaranteed acceptance whole life insurance to Medicare Advantage and ACA health plans, we offer the coverage you need at prices that make sense. Explore your options below or call us for a personalized recommendation.
Colonial Penn Guaranteed Acceptance Whole Life Insurance
Colonial Penn’s guaranteed acceptance whole life insurance is designed for adults ages 50 to 85 who want permanent life insurance coverage without the hassle of medical exams or health questions. Your rate is locked in the day you enroll and will never increase. Your coverage will never decrease. And your policy builds cash value over time that you can borrow against if needed.
Plan Highlights
- Guaranteed acceptance for ages 50–85 — no medical exam, no health questions
- Rates are locked in and never increase, regardless of age or health changes
- Coverage never decreases for the life of your policy
- Builds cash value you can borrow against
- Affordable units starting at just $9.95 per month
- Purchase multiple units to build the coverage amount that fits your needs
- Final expense and burial cost coverage families can rely on
- Benefits paid directly to your beneficiary
Pricing
$9.95/month per unit
Medicare Coverage Options
Medicare Advantage Plans (Part C)
Medicare Advantage plans combine your Part A (hospital) and Part B (medical) coverage into one plan, often with added benefits Original Medicare doesn’t cover. Many plans include prescription drug coverage, dental, vision, hearing, and wellness programs — sometimes at $0 additional premium beyond your Part B.
- Combines Part A and Part B coverage into a single, streamlined plan
- Many plans include Part D prescription drug coverage
- Added benefits like dental, vision, hearing, and fitness programs
- Plans available with $0 monthly premium beyond your Part B
- Out-of-pocket maximums protect you from unexpected costs
- We help you compare plans from top carriers in your area
Medicare Supplement Insurance (Medigap)
Medicare Supplement plans, also known as Medigap, work alongside Original Medicare to help pay for out-of-pocket costs like copayments, coinsurance, and deductibles. If you want predictable costs and the freedom to see any doctor who accepts Medicare, a Medigap plan may be right for you.
- Covers costs that Original Medicare leaves behind — copays, coinsurance, deductibles
- Standardized plan letters (A, B, C, D, F, G, K, L, M, N) so you can compare easily
- Freedom to see any doctor or specialist who accepts Medicare, nationwide
- No referrals needed to see specialists
- Plan benefits are the same regardless of which insurance company offers them
- We help you find the most competitive rates for the plan letter you choose
Additional Coverage Options
Under-65 ACA Health Insurance Plans
If you’re under 65 and need individual or family health coverage, we’ll help you explore your options through the Affordable Care Act marketplace. Many people qualify for premium subsidies that significantly lower the monthly cost, and we’ll help you find out if you’re one of them.
- Individual and family health plans compliant with ACA requirements
- Comprehensive coverage including preventive care, hospitalization, and prescriptions
- Subsidy eligibility review to help lower your monthly premium
- Plans from trusted carriers available in your area
- Open enrollment and Special Enrollment Period guidance
- No cost for our help — our service is free to you
Supplemental Insurance: Dental, Vision & More
Round out your coverage with supplemental insurance plans that help manage the costs Medicare and standard health plans may not fully cover. From routine dental and vision care to additional layers of financial protection, supplemental plans give you more confidence in your coverage.
- Standalone dental plans covering preventive, basic, and major services
- Vision plans for exams, lenses, frames, and contacts
- Plans available year-round — no need to wait for open enrollment
- Affordable monthly premiums with clear benefit schedules
- Coverage that works alongside your existing Medicare or health plan
Not Sure Which Plan Is Right for You?
Not sure which coverage is right for you? Our licensed agents will walk you through every option side by side, explain the differences in plain language, and help you choose the plan that fits your health needs and your budget.