INDIVIDUAL COVERAGE
Coverage Built Around Your Life.
You shouldn't have to force your needs into a one-size-fits-all insurance package.
Irwin Benefit Consulting helps individuals and families explore health, life, and supplemental coverage options and build a personalized solution around their needs, priorities, and budget.
Personal guidance. Flexible options. Coverage you can understand.
Choose What You Need. Build From There.
We take a cafeteria-style approach to individual insurance.
That means you aren't automatically placed into a predetermined package. Depending on your needs, you may choose a standalone policy or combine multiple types of coverage into a more complete protection strategy.
Our job is to help you understand what each option is designed to do, where it may fit, and how different types of coverage can work alongside one another.
01
START WITH YOUR NEEDS
We begin with your personal situation rather than a specific insurance product.
02
CHOOSE YOUR COVERAGE
Explore standalone options or combine multiple types of protection to fit your needs.
03
BUILD WITH PURPOSE
Understand how each piece fits into your overall coverage for you and your family.
COVERAGE YOUR WAY.
Protection for More Than One Part of Life.
Individual coverage can mean different things to different people.
We help clients explore a range of insurance options based on what they're trying to protect.
Health Coverage
Explore individual health coverage options based on your circumstances and eligibility.
Dental
Standalone and combined dental coverage options can help with routine care and other eligible dental expenses.
Vision
Coverage options designed to help with eligible vision exams, eyewear, and related care.
Life Insurance
Explore term, whole life, final expense, and other life insurance options based on your goals and circumstances.
Accident Coverage
Coverage designed to provide additional financial protection when a covered accident occurs.
Cancer & Critical Illness
Supplemental coverage that may provide cash benefits following qualifying diagnoses or covered events.
Short and Long Term Disability
Short- and long-term disability options can help provide financial protection when an illness or injury prevents you from working.
Additional Options
Depending on your needs, additional solutions may include other supplemental products.
Different Coverage Can Serve Different Purposes.
The goal isn't to buy as much insurance as possible. It's to understand what protection makes sense for you.
Health insurance may help with medical expenses. Accident or critical illness coverage may provide additional protection when specific events occur. Life insurance addresses another set of financial concerns entirely.
Instead of looking at every policy in isolation, we help you understand how different types of coverage may complement one another.
HEALTH
Everyday medical coverage for you
ACCIDENT
Additional protection following covered accidents
LIFE
Protection for the people who depend on you
Protection for Different Stages of Life.
Life insurance needs can vary considerably depending on your age, health, family, financial responsibilities, and long-term goals.
Irwin Benefit Consulting works with established life insurance carriers to help clients explore options across a wide range of circumstances.
Medical Coverage Isn't Always the Whole Picture.
An illness or accident can create expenses beyond the medical bill itself.
Supplemental insurance can provide another layer of financial protection for qualifying events, helping clients prepare for costs that other coverage may not fully address.
Accident Coverage
Available accident products may provide benefits or reimbursement for eligible expenses associated with a covered accident.
Disability Coverage
Short- and long-term disability coverage may help replace a portion of income when a covered illness or injury prevents you from working.
Cancer & Critical Illness
Certain products provide lump-sum cash benefits following a qualifying diagnosis, allowing the policyholder to use the benefit based on their individual needs.
Hospital Indemnity
Coverage that may provide specified benefits associated with qualifying hospital stays or hospital services.
Coverage Starts With Understanding You.
PERSONAL GUIDANCE FROM THE FIRST CONVERSATION FORWARD.
We talk about your current coverage, concerns, priorities, and what you're looking to protect.
We identify relevant coverage types and available options from the carriers we work with.
We help you understand how the options differ and what role each may play.
Choose standalone coverage or create a combination that works around your needs.
We're available when questions arise or your circumstances and coverage needs change.
More Than One Carrier. More Flexibility.
Different carriers may have different products, underwriting guidelines, pricing, and coverage options.
By working with multiple established insurance companies, Irwin Benefit Consulting can explore different solutions rather than relying on one company's product lineup.
MULTIPLE CARRIERS
Explore more than one source of coverage.
DIFFERENT PRODUCTS
Compare options for different needs.
PERSONAL GUIDANCE
Get help understanding what you're considering.
A Few Things People Often Ask.
No. Coverage can be purchased individually when available. The cafeteria-style approach simply gives you the ability to explore standalone options or combine coverage when doing so makes sense for your needs.
Yes. Irwin Benefit Consulting works with options across health, dental, and vision coverage, subject to carrier availability and eligibility.
Available options may include term life, whole life, final expense, and certain guaranteed-issue products depending on the client and carrier.
Available coverage depends on the specific product and carrier. Different insurance products have different eligibility and underwriting requirements, and Cody can help you explore the options that may be available for your situation.
Supplemental products are designed to provide benefits in addition to other coverage when certain qualifying events occur. Examples may include accident, cancer, critical illness, disability, and hospital indemnity coverage.
Yes. Your insurance needs may evolve as your health, family, career, or financial situation changes. Irwin Benefit Consulting can help you revisit your coverage over time.
Let's Build Coverage Around What Matters to You.
Whether you're looking for one specific type of insurance or want help building a broader protection strategy, we'll help you understand your options and determine the next step.
A Health & Life Insurance Agency • Non-Government Entity
We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
CONTACT
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