WHAT WE COVER
Ten options. One conversation.
These are the ten things an AVIA review looks at. You will not be sold all ten — most people need three or four — but you will leave knowing which ones apply to you and which ones do not.
EDUCATE
We show you what your options actually are.
Explain
We put every plan in plain English, side by side.
Empower
You decide, with everything in front of you.
THE 1/10 INSURANCE OPTIONS
The same ten we ask about on the survey
Every AVIA review starts with two questions: which of these ten do you have now, and which would you like looked at? What follows is what each one actually is, in plain English, before anybody quotes you anything.
Medicare
Medicare Advantage, Medicare Supplement and Part D, reviewed against your actual doctors, your actual prescriptions and your actual budget.
- Advantage (Part C) and Supplement (Medigap) compared side by side
- Part D checked against your real prescription list, not a generic one
- Turning-65 timing, late-enrolment penalties and working past 65
Health / ACA
Marketplace and off-Marketplace health coverage for individuals and families under 65 — including the subsidy calculation most households get wrong.
- Full Marketplace, plus the plans that never appear on the exchange
- Subsidy eligibility run on your real numbers, on the call
- Special Enrolment after a job loss, marriage, baby or move
Life Insurance
Term, whole life and indexed universal life. The cheapest it will ever be is today, and the honest answer is sometimes that you already have enough.
- Term for the years your family depends on your income
- Whole life and IUL where you want it to build value
- How much you actually need — not how much could be sold to you
Final Expense
Small, simple policies that cover a funeral and leave a little behind, so the bill never lands on your children.
- Usually no medical exam
- Fixed premium that does not climb with age
- Pays out fast, when the family needs it most
Dental, Vision & Hearing
The three things Original Medicare does not cover, and the three most people end up paying for out of pocket.
- Standalone dental, vision and hearing plans
- What the coverage actually costs against what you would pay cash
- Whether the premium earns its keep in your situation
Supplemental
Accident, cancer and hospital indemnity cover. These pay cash directly to you, not to the hospital — which is what makes them work alongside a high-deductible plan.
- Accident cover for active families and physical trades
- Critical illness and cancer plans
- Hospital indemnity to absorb a big deductible
Disability Income
Life insurance protects your family if you die. Disability income protects them if you simply cannot work — which is far more likely, and far more often overlooked.
- Short-term and long-term income replacement
- Essential if you are self-employed or work with your hands
- Own-occupation versus any-occupation, explained plainly
Annuities & Retirement
Turning savings into income you cannot outlive, and the strategies that let a policy do more than one job.
- Fixed and indexed annuities for guaranteed retirement income
- IUL and the infinite banking concept
- Rollovers reviewed against what you already hold
Home & Renters
Homeowners and renters cover, including the renters policy that has to be re-sorted at every PCS move.
- Homeowners, condo and renters
- Coverage that transfers cleanly across state lines
- Quoted across carriers in one conversation
Auto
Personal auto cover, quoted across several carriers at once instead of one at a time.
- Personal auto and multi-vehicle households
- Bundled with home or renters where that wins
- Reviewed at renewal, not just at purchase
How a review actually goes
01
You tell us what you have
Two minutes on the survey, or straight into the call. No health questions and no income questions on a form.
02
We explain the options
Side by side, in plain English, with the trade-offs named out loud. If you already have the right thing, we say so.
03
You decide
Nothing is enrolled on the first call. There is never a fee to you — carriers pay the agent if you choose to go ahead.
Which of the ten apply to you?
Ten minutes, no cost, and no pressure. We start by listening, and most people find they need fewer than they feared.
No cost · No pressure · Phone or video, wherever you are