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Life insurance, dental, vision, accident coverage, and more — explained at the kitchen table, not sold across a desk. And if we don’t handle it, we’ll connect you with someone trusted who does.
Different needs, same goal: the people you love, protected without confusion.
If people depend on your income, life insurance is how you make sure a worst day doesn’t become a financial crisis too. We’ll explain your options in plain English and help you find coverage that fits your family and your budget — no scare tactics, no pressure.
Health insurance doesn’t cover everything. Dental, vision, accident, and other supplemental coverage fill the spaces your main plan leaves open — often for less per month than people expect. We’ll show you which gaps are worth filling for your situation.
Home, auto, liability, or something we don’t handle directly? Tell us anyway. We keep a trusted network of professionals we personally refer to — so you get a warm introduction to someone good, not a cold search through the internet.
These coverages get wrapped in jargon. Here’s what they actually do.
Coverage for a set period — often the years your family depends on your income most. Typically the most affordable way to get meaningful protection, which is why it’s where most families start the conversation.
Coverage designed to last your lifetime, often building value along the way. More expensive than term, with different strengths — the right fit depends on your goals, which is a conversation, not a formula.
Standalone plans that cover the care your health insurance usually doesn’t — cleanings, fillings, exams, glasses. Available whether or not you get your health coverage through us.
Coverage that pays you directly when specific things happen — an accident, a hospital stay, a serious diagnosis — helping with the bills your health plan’s deductible leaves behind.
Most people put this decision off for years. These are the three things that change their minds.
Truth #1
Life insurance is generally least expensive when you’re youngest and healthiest — and a health change can affect your options later. The best time to lock in protection is almost always before you think you need it.
Truth #2
Employer life insurance is a nice benefit, but it’s often a fraction of what a family actually needs, and it typically ends when the job does. Coverage you own yourself stays with you through every career move.
Truth #3
A short conversation about who depends on you, a comparison of options across carriers, and an application — often simpler than people expect, sometimes without a medical exam depending on the coverage. The dread is worse than the process.
Home, auto, business liability, legal services — if it’s outside what we do, we won’t pretend otherwise. We’ll connect you with a trusted professional from our personal referral network, so you start with a warm introduction instead of a cold internet search. Just tell us what you’re looking for in the form below.
Joshua Ruiz founded Health Market Advocates on a simple idea: people deserve to understand their coverage, not just buy it. Nowhere does that matter more than life insurance, where fear-based selling is the industry norm. His team of licensed advocates takes the opposite approach: plain-English education, honest comparisons across carriers, and recommendations sized to your real life — then ongoing support for as long as you’re a client.
We’re building a guidebook for families: how term and permanent life insurance really differ, what supplemental coverage is worth, and the questions to ask before signing anything.
Want it the moment it’s ready? Join the list and we’ll send it first.
🔒 We’ll never share or sell your information.
A Health Market Advocates team member will review your request and reach out within one business day.
Want to skip the wait? Book with our team now →🔒 Your information is secure and will never be shared or sold.
The questions people actually ask us — answered the way we’d answer them in person.
Term covers you for a set period — often the years your family depends on your income most — and is typically the most affordable path to meaningful protection. Permanent (whole) life is designed to last your lifetime and often builds value, at a higher cost. Neither is universally better; the right fit depends on your goals, budget, and stage of life, and we’ll walk through both honestly.
It’s a good start, but usually not enough on its own — employer coverage is often a fraction of what a family actually needs, and it typically ends when the job does. Coverage you own personally stays with you through every career change. A quick review can tell you exactly where you stand.
It depends on who relies on your income, your debts, and what you want protected — the mortgage, everyday living costs, future plans. There are common rules of thumb, but they miss real-life details in both directions. Our team will walk through your actual situation and size it honestly, including telling you if less coverage than you expected is enough.
It depends on the coverage type and amount. Some options involve an exam; others use simplified processes without one, depending on your situation. If avoiding an exam matters to you, tell us up front and we’ll factor it into which options we compare.
Yes. Dental and vision plans are typically standalone coverage — you can add them whether or not your health insurance came through us, and whether or not you change anything else. They’re often one of the simplest, most affordable upgrades a family can make.
Ask us anyway. We keep a trusted network of professionals we personally refer to for home, auto, liability, and more. You’ll get a warm introduction to someone good instead of taking your chances with an internet search — and it costs you nothing to ask.
