I have been licensed since 1976 helping individuals, families, seniors and businesses with health and life insurance needs. Everyones needs are different and that is why I have been and continue to be completely independent. I have no requirements with any company and recommend coverage based upon indivdual needs...not the needs of an insurance carrier. You will be treated the same as I would treat family. Recommendations are based upon what is best for you. I have become quite interested in HSA plans (formerly MSA). This type of coverage not only provides comprehensive insurance protection, but can increase one's net worth at the same time. They are the future of health insurance.