Guides
Clear answers before you decide
Plain-English guides on life and health insurance, with facts checked against official sources and written by a licensed agent. So you understand your options before you talk to anyone.
Health
Obamacare 2027 open enrollment: dates, what changed and how to know if you qualify
Obamacare 2027 open enrollment runs Nov 1 to Jan 15. What changed in the subsidy, the income chart, and what to do if you don’t qualify.
Read the guideHealth
Don’t qualify for Obamacare in 2027? Your health insurance options
Lost your ACA subsidy for 2027? You still have options: a full-price Marketplace plan, Medicaid or CHIP, coverage through work, or a private plan.
Read the guideLife
Life insurance with an ITIN: how to protect your family without a Social Security number
Yes, you can get life insurance with an ITIN number in the U.S. What documents insurers ask for, time living here, beneficiaries abroad and taxes.
Read the guideFinal expense
Final expense insurance: how much a funeral costs and how to protect your family
A funeral with burial has a median cost of $8,300 in the U.S. What final expense insurance is, ages to apply, medical exams and waiting periods.
Read the guide