We compare life, health and Medicare options from multiple carriers and explain them in plain language. Consultations are free, and there is never any pressure to decide.
Coverage options
Many agencies focus on a single product line. Allison Agency is licensed across both life and health, so one conversation can address your family’s full picture — and you work with the same agent throughout.
Straightforward protection for a set period of 10, 20 or 30 years, offering the most coverage for the lowest monthly premium. Mortgage protection is written here as well — coverage sized to your loan balance, so your family can remain in their home.
Permanent coverage that does not expire, with a premium that never changes and cash value that accumulates at a rate guaranteed by the carrier. A predictable, long-term asset within your estate.
Smaller benefit amounts intended to cover funeral costs, outstanding medical bills and final debts, so that a difficult time is not made harder by unexpected expenses. Designed for older applicants and simpler health histories.
Flexible permanent coverage. Universal life allows you to adjust the premium and death benefit over time. Indexed universal life credits interest tied to the movement of a market index, subject to a cap and a floor. These policies offer real flexibility and are more complex than term or whole life, so we review the full illustration with you, line by line, before any application is submitted.
Retirement income products designed for assets you would rather not expose to market volatility. Fixed and indexed annuities, with the surrender schedule, fees and income riders explained clearly before you commit.
Individual and family health plans, including options for the self-employed and for those between jobs. Networks, deductibles and out-of-pocket maximums compared against the plans genuinely offered in your county.
Whether you are approaching 65, retiring later, or helping a parent understand their choices, we walk through how Parts A, B, C and D work together, where Medicare Supplement differs from Medicare Advantage, and how prescription coverage prices out against the medications you actually take.
If you qualify for both Medicare and your state’s Medicaid program, we can explain how dual-eligible coverage works and what it means for your options.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.
Allison Agency is not connected with or endorsed by the United States government or the federal Medicare program.
The process
A short, unhurried conversation: who you are protecting, what you owe, what you can comfortably budget each month, and what coverage you already have in place.
Because the agency is independent, we review offers from multiple carriers rather than presenting a single company’s product line.
Application, underwriting and policy delivery, each step explained as it happens. And the agent who answers the phone at renewal is the same one you started with.
Where we work
Insurance is regulated state by state. Which carriers file products where, which health networks serve your county, and which Medicare plans are offered at all — each of these changes at the state line. Select your state to see what that means for you.
About your agent
Principal Agent & Head of Allison Agency
Life insurance is not bought for the person who dies. It is bought for the people who keep going.
Leif leads Allison Agency and works with families the way he would want his own family treated: sit down together, review the real numbers, and explain plainly what a policy does and does not cover. No scripts, no pressure, and no rush to decide. If a product is not the right fit for your situation, he will tell you so.
Questions
It depends on your age, your health, the amount of coverage and the type of policy. Many healthy applicants in their thirties and forties are pleasantly surprised by how affordable term coverage can be. Rather than estimate, we will run real figures from several carriers and show you the range at no cost.
Not always. Several carriers offer accelerated or simplified underwriting, where the decision is based on your application and database checks rather than a paramedical exam. We will tell you at the outset which route best fits your situation.
Both are permanent policies that build cash value. Whole life credits a guaranteed rate set by the carrier and holds your premium fixed. An indexed universal life policy credits interest tied to the movement of a market index, subject to a cap on the upside and a floor on the downside, and both the premium and the internal cost of insurance are flexible rather than locked. That flexibility is both the advantage and the risk, which is why we review the illustration together with you before any decision is made.
Sometimes, and sometimes not. An annuity trades liquidity for predictability, so the questions that matter most are how long the surrender schedule runs, what the fees are, and whether you may need access to that money before it is free to move. We review those three first. If the answer is that you need the funds to remain liquid, that is the recommendation you will receive.
All of them. Allison Agency is licensed in both life and health, which covers private health plans and Medicare. A single conversation can address the policy that protects your family’s income and the plan that covers doctor visits, prescriptions and hospital stays. Plan availability and provider networks vary by county, so we confirm what is genuinely offered where you live before recommending anything.
A decline from one carrier does not mean every carrier will decline. Underwriting guidelines vary widely, particularly around specific health conditions and medications. This is precisely where an independent agency is most useful, and it is worth a conversation rather than an assumption.
A common starting point is ten to twelve times your annual income, plus your mortgage balance, remaining debts and anticipated education costs. We will work through the calculation with you rather than simply handing you a calculator.
No. Quotes and guidance are provided at no cost to you. Agencies are compensated by the insurance carrier when a policy is issued, and your premium is the same whether you purchase through an agent or directly from the carrier.
With simplified-issue products, a decision can arrive in days rather than weeks. Fully underwritten policies typically take longer because of exam and medical-record requests. Health and Medicare plans generally begin on a set effective date tied to your enrollment period. We will give you a realistic timeline before you apply.
A free quote, a licensed agent, and no pressure at any point.
