Simple... Smarter Insurance Policies for Entrepreneurs

What’s better is that our service is 100% free, and super-fast! All you have to do is: Confirm your zip code. Tell us about yourself and your coverage needs. See your custom-results and start comparing multiple quotes.

 

See if you qualify for a Special Enrollment Period (SEP)

Get in Contact with a Licensed Agent. Text or Call 484-212-0852

If you answer yes to any of these questions you may qualify for a special enrollment period 

In the last 60 days:

Did anyone in your household lose coverage with an employer?

Someone on your marketplace plan dies and as a result you no longer qualify for your current health plan?

Got divorced or legally separated and lost health insurance

 Changes in residence or income?

Got married?

Had a baby?

Gained/became a dependent?

Denied Medicaid/CHIP, Gained citizenship or lawful presence in the U.S., Was released from incarceration (detention, jail, or prison)

Are you a member of a federally recognized tribe, or an Alaska Native corporation shareholder?

If you answered yes, to any of the above questions, then you may qualify for additional support with your healthcare needs. Complete the form below to speak to an agent. 

 

***New Service***

Skip the waiting room with TeleDoc! Virtual Appt's 24/7

Teledoc services allow you to consult a physician by phone or video chat, whenever and wherever. All you need is a smartphone, tablet, laptop, or desktop with an internet connection. You can be face-to-face with a physician in no time ($19.99- 29.99 ) a month

 

These services are intended to treat non-emergency conditions. As always, in case of a life-threatening emergency, dial 911 immediately.

Learn More Enroll Now

No risk, and no long-term commitment. Change plans, hassle-free.

Plans that Fit Every Need and Budget

Low Cost Health Care

Plans 35-50% less than traditional insurance WITH Access to the largest PPO Network in the nation with over 1million providers for Short Term Medical Care and HeathCare sharing options

 

Dental and Vision

Coverage can be selected based on plan options. Covers preventative care, x-rays, Endodontic services, composite restorations, oral surgery, surgical extractions

Life Insurance

$10k-$400k Simple application  and easy to complete with no medical exams.  Immediate Death Benefit payouts within 48hrs.  Plans include Living Benefit Riders

 

Medicare Supplements

Are you currently enrolled into Medicare Part A and B? Cover services that Original Medicare doesn’t cover, like co-payments, co-insurance, and deductibles.

Example Plans Ideas

3 of the Most Popular Plans we customize for our clients based on health, history, needs, and budget

Short Term Medical + Dental + Gap

Coverage secured up to 36 months. Plans as short as  3, 6, 9, 11 months. Great for those who do not need prescriptions, maternity, or have pre-existing conditions

Teledoc + Hospital Indemnity + Dental/Vision

Is our most affordable virtual membership. It’s ideal for individuals who are in good health. Available for a Special Enrollment Period

Health Share Plan + Dental + Life Insurance

No Wait, Next Day Coverage. Choose from low cost plan options.  Wellness, Preventative Services, Maternity, Prescription discounts. Ideal for families or individuals who want access to a broad range of services

Simple Virtual Enrollment 

No risk, no contracts, and no long-term commitment. Cancel anytime, hassle-free plans.

 

What’s better is that our service is 100% free, and super-fast! All you have to do is:

  1. Confirm your zip code.
  2. Tell us about yourself and your coverage needs.
  3. See your custom-results and start comparing multiple quotes.

Many of our insurance products are available for online purchase. We always recommend you start with our quick and convenient digital needs analysis to determine the right coverage and price. From there you can apply digitally or consult with a licensed agent.

Pls Note: The security of your information is of the utmost importance to iAdvance. We collect the information solely to authenticate your identity and retrieve your information for purposes of processing your data request.

Let's Get Started. Complete this form

Business Hours Monday thru Sunday 7am – 10pm Speak to an Licensed Agent: 484-212-0852

Welcome to the Learning Center

Below is a Q&A to help clarify some myths and facts around the coronavirus (COVID-19), compiled from the Center for Disease Control and Prevention (CDC). For further education on COVID-19, please visit the CDC's website.

 

What is the coronavirus (COVID-19)?

COVID-19 is caused by a coronavirus called SARS-CoV-2. Coronaviruses are a large family of viruses that are common in people and many different species of animals, including camels, cattle, cats, and bats. 

How does it spread?

The virus that causes COVID-19 is thought to spread mainly from person to person, mainly through respiratory droplets produced when an infected person coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs. Spread is more likely when people are in close contact with one another (within about 6 feet).

What are the symptoms?

Reported illnesses have ranged from mild symptoms to severe illness and death for confirmed coronavirus disease 2019 (COVID-19) cases.

Symptoms may appear 2-14 days after exposure to the virus. People with these symptoms or combinations of symptoms may have COVID-19:

  • Cough
  • Shortness of breath or difficulty breathing

Or at least two of these symptoms:

  • Fever
  • Chills
  • Repeated shaking with chills
  • Muscle pain
  • Headache
  • Sore throat
  • New loss of taste or smell
Children have similar symptoms to adults and generally have mild illness.
 

This list is not all-inclusive. Please consult your medical provider for any other symptoms that are severe or concerning to you.

 

 
When Should I Seek Medical Attention? 

If you develop emergency warning signs for COVID-19 get medical attention immediately. Emergency warning signs include*:

  • Trouble breathing
  • Persistent pain or pressure in the chest
  • New confusion or inability to arouse
  • Bluish lips or face

*This list is not all-inclusive. Please consult your medical provider for any other symptoms that are severe or concerning.

 

Frequently Asked Questions :

Q. As a small business owner, what options do I have to cover my health? 

A. Healthcare offers more affordable alternatives to traditional Health Insurance. Benefits include telemedicine. Members can do an unlimited amount of phone or video consultations with a doctor at no charge from the comfort of their home.

Q. How quickly can I get covered

A. Coverage time varies for each product based on your eligibility and the underwriting process. We work to get you the right level of protection as quickly as possible and for many consumers that means having coverage active in under 24 hours.

Hospital and Doctor Indemnity Insurance

Q. What is hospital and doctor indemnity insurance

A. A type of insurance pays you a set—that is, fixed—amount of money for specific services covered by the plan.

  • Help pay your share of lab or diagnostic costs, like for blood tests or X-rays
  • Apply benefit payments toward your health plan's deductible
  • Get cash to help cover any gaps in your coverage. To pay your copay and out of pocket expenses 

Life Insurance

Q. What life insurance options do I have?

A. There are two main types of life insurance:

Term life insurance is the easiest to understand and has the lowest prices. 

Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits. Whole life is the most well-known and simplest form of permanent life insurance

Other kinds of permanent life insurance include universal, variable and variable universal.

Although it’s more complicated than term life insurance, whole life is the most straightforward form of permanent life insurance. Here’s why:

  • The premium remains the same for as long as you live
  • The death benefit is guaranteed
  • The cash value account grows at a guaranteed rate

Some whole life policies can also earn annual dividends, a portion of the insurer’s financial surplus. You can take the dividends in cash, leave them on deposit to earn interest or use them to decrease your premium, repay policy loans or buy additional coverage. Dividends are not guaranteed. 

Whole Life Insurance

Whole life insurance covers you as long as you live. You have to pay the same amount of premium for a specific period to receive the death benefit. Normally, this policy is kept in force for the rest of your life, regardless of how long you may live.

Universal life insurance offers all-round protection to your loved ones, thanks to its security, flexibility and variety of investment options. In times of low liquidity you can alter your premium payments or may even withdraw from your cash value fund. In addition, you can increase or decrease the face value of your insurance as per your circumstances.

Q. Are there Life Insurance policies that  cover costs while I am living?

A. Yes, Life Insurance with Living Benefits. Accelerated Benefit Riders are optional, no-additional cost riders that allow you to access all or part of your death benefit (while living) if you experience a qualifying terminal, chronic, or critical illness or critical injury. 

Useful benefits that cover:
• Household expenses
• Adult Day Care
• Home Modifications
• Regular Bills
• Nursing Home Care
• Quality of life expenditure
• Other needs they may have

Q. What are the tax advantages of life insurance?

A. Death benefits are generally received income tax-free by your beneficiaries. In the case of permanent life insurance policies, cash values accumulate on an income tax deferred basis. That means you would not have to pay income tax on any of the policy's earnings as long as the policy remains in effect. In addition, most policy loans and withdrawals are not taxable (although withdrawals and loans will reduce the cash value and death benefit)

 

What is term life insurance?

Term life insurance is a life insurance policy that pays cash benefits to help your loved ones in the event of your death.

Term life insurance policies from Golden Rule Insurance Company also feature an optional Critical Illness Benefit1  that pays cash benefits upon diagnosis of a qualifying illness or death.

A term life insurance policy features advantages like:

Lump-sum benefit paid upon your death

Multiple terms and benefit levels to choose from

No medical exam required

Eligible for coverage until age 83

How does term life insurance work?

Term life insurance pays your designated beneficiary(ies) a lump sum if you die within the selected policy term. If you opt for the optional Critical Illness rider and are diagnosed with a qualifying illness, you will receive a cash benefit according to the terms of your policy.

The money is paid to you and can be used as you wish. The benefit amount received from the Critical Illness rider is subtracted from the benefit amount of your term life insurance policy.

Who benefits from term life insurance policies?

Because term life policies are only active for a set amount of years, some people benefit from these policies more than others. Term life insurance may be a good option if you are:

  • Raising children
  • Paying off a mortgage
  • Earning a majority of the household income

Term vs. whole life insurance

Term life insurance differs from whole life insurance. A term life policy has a death benefit, meaning the benefit is paid when the insured dies. A term life insurance policy has a set duration on the coverage period, after which the coverage expires (or can be continued at a higher rate).

In contrast, whole life insurance plans have living benefits and often feature savings components that build up over time. As the name implies, permanent or whole life insurance plans extend until the policy owner dies or reaches 100 years of age

Covered critical illnesses

Your Critical Illness benefit can be paid out for the following qualifying critical illnesses:3

  • Heart attack
  • Life threatening cancer
  • Loss of hearing, speech or vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal failure
  • Stroke
  • Carcinoma in situ
  • Coronary artery bypass graft

 

 

 

 

Please Note:

Invitations for application for insurance on iAdvanceBusiness.com are made through a designated agent, Roshanna Campbell, only where licensed and appointed. License numbers are available upon request and are automatically provided where required by law. Roshanna Campbell is a licensed life and health insurance agent in 9 states,  and her resident state is Pennsylvania. Roshanna Campbell’s Pennsylvania license number is 903948; in Texas, 2319983; in Indiana, 3531499; in Missouri, 8462374;  Roshanna Campbell's National Producer license number is 18861902.

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