Health and life insurance, from a broker who answers the phone.
We compare plans across carriers for individuals, families, the self-employed and business owners. And we tell you when what you have is already right.
Or call (786) 606-0139.
People with no employer plan to lean on.
These are the households that call. The link on each card is the page for that situation.
Individuals & families
Health and life coverage for households with no employer plan, anyone between jobs, and anyone who wants a second opinion on what they pay now.
Health coverage →Self-employed & 1099
No open enrollment email is coming. We give you a straight read on what you have now and whether you are overpaying.
Health coverage →Business owners
You are the one person nobody is covering. Health and disability for you and your family, and term, whole life or indexed universal life if the business depends on you.
Protect your income →Retiring before 65
The years between your retirement date and Medicare need a plan of their own. We price the bridge before you pick the date.
Health coverage →When you should stay where you are.
Some people are better off keeping what they have. If that is you, we will say so.
Keep what you have if
- You get a meaningful premium tax credit on a marketplace plan. A private plan rarely beats a real subsidy.
- You have a solid employer plan, your own or a spouse's, FEHB, or TRICARE.
- You are 65 and on Medicare that is working for you.
- You have an active, significant medical condition. Our health plans are medically underwritten, so the marketplace is usually the right answer.
Talk to us if
- You are under 65 and paying full price with no subsidy and a clean or managed health history.
- You are self-employed, 1099, or between jobs with nothing to fall back on.
- Your deductible is more than you could pay tomorrow.
- Your family depends on your income and there is no life or disability coverage behind it.
What happens after you reach out.
Quote or book
Price term life online in about a minute, or book a 30 minute call for health or disability.
We compare
We look at what is actually available to you and explain the tradeoffs without jargon.
You apply, we stay on it
We help you apply and we are still here after the policy is issued.
Independent, not tied to one company.
Including what each product cannot do. Better you hear it from us first.
Health
Major medical, private health plans, PPO options, short-term medical, group health plans for small businesses, and other kinds of plans. We work with multiple carriers so we can look for a fit.
UnitedHealthOne, Allstate, and Pivot Health are among the carriers. Health coverage →
Read the health guides for a plain-language look at plan types.
Life
- Term, sized to the need, not to a rule of thumb.
- Whole life.
- Indexed universal life (IUL).
If a business needs coverage on an owner or for a buy-sell agreement, we use one of those three.
Disability
Income protection for the self-employed, professionals, business owners and single-income households.
Carriers. Health through several carriers, including UnitedHealthOne, Allstate, and Pivot Health. Life through Aetna, Aflac, American Amicable, Americo, Ameritas, Baltimore Life, Banner Life, Corebridge, Foresters, John Hancock, Lincoln, Manhattan Life, Mutual of Omaha, Nationwide, North American, Protective, Prudential, SBLI and Transamerica. Not every product is available in every state.
Need an ACA or Medicare plan? We can help with that too. Book a call.
A real person answers the phone.
Seth Brand started Branded Insurance Group as an independent brokerage, on the client's side of the table. We compare what is actually available. We recommend what fits, and sometimes that recommendation is to do nothing.
He answers the phone and explains it in plain English. We handle the case from the first call through after the policy is issued. Seth Brand is the founder and a licensed life and health agent. The office is at 25 SE 2nd Ave Ste 550#505, Miami, FL 33131.
Tell us what you need.
Who you are and what is going on. That is enough to start. We reply the same business day.
CPA, EA or financial advisor? See how referrals work.
For CPAs & advisors