Life and health coverage, explained simply
Shah Family Life & Health explains how each option works so you can decide what fits your family.
Term Life Insurance
Term life pays a benefit to the people you name if you pass away during the term, typically 10, 20 or 30 years. It's often used to cover a mortgage, replace income or fund your children's future. Anika will help you think through how much coverage and how long a term make sense, then compare options from the carriers she represents.
Ask about Term Life InsurancePermanent Life Insurance
Permanent life insurance is designed to last your whole life and can build cash value over time. It costs more than term and isn't right for everyone. Anika will explain how the main types work, what the trade-offs are and whether it fits your situation, in plain English.
Ask about Permanent Life InsuranceIndividual & Family Health
If you're self-employed, between jobs or your employer doesn't offer coverage, choosing a health plan can feel overwhelming. Anika will explain networks, deductibles and out-of-pocket costs, check which options are available to you and help you enroll during the right window.
Ask about Individual & Family HealthSupplemental Coverage
Supplemental policies can help with costs your main health plan doesn't cover in full. They're optional, and Anika will only suggest them if they make sense for your family after looking at what you already have.
Ask about Supplemental CoverageCoverage is subject to the terms, conditions and exclusions of the policy issued, and to underwriting approval where applicable. Not all products are available in all states.
Not sure how much coverage your family needs?
Start with a free needs check. It takes two minutes and there's no obligation.