DEDICATED TO EXCELLENCE!

I offer clients a unique and quality experience by taking the time to get to know you. I'll check your providers, medications and complete a full assessment of your needs...FREE! I offer kind, compassionate, consulting backed by 21 years of experience. This has always been a winning combination for me and for my clients so welcome aboard! I look forward to serving you and your family!

TRACY CORNETT | Licensed Principal Advisor | Call: 866-758-7229 | Text: 520-272-5950

WHO WE SERVE

Insurance with integrity, protection you can trust!

Individuals & Families

Do you need to set up your own insurance? Then you're in the right place. Whether you need just a short term plan to fill the gap or you need full blown major medical, we've got you!

  • Health Insurance

  • Dental, Vision & Hearing

  • Accidental Injury

  • Critical Illness

  • Disability Insurance

  • Long Term Care

  • Life Insurance

  • Retirement Planning

medicare members

Whether you're just turning 65 or you've had Medicare for years, we've got the solutions and the expertise you need to sail off unto your golden years well-prepared and worry free!

  • Medicare Advantage

  • Medicare Supplements

  • Medicare Part D RX Plans

  • Dental, Vision & Hearing

  • Travel Insurance

  • Long Term Care

  • Life / Final Expense

  • Retirement Planning

small

business

Hiring and retaining top talent can be a losing battle without the right benefits in place. We have packages for businesses and budgets of all sizes. Let's get this thing growing together!

  • Health Insurance

  • Dental & Vision

  • Accident / Critical

  • Long Term Disability

  • Life Insurance

  • Key Person Disability

  • Buy-Sell Agreements

  • Retirement /Pensions

HOW WE SERVE

Your Free 10-Point Quality Assessment Includes...

  • Complete Full Health Assessment For Each Household Member

  • Scan & Cross Check up to 200+ Carriers

  • Cross-Check Providers & Specialists

  • Price Check Medications & Preferred Pharmacies

  • Complete Calculations - MOOP vs. Monthly Premiums

  • Complete Total Protection Proposal With Recommended Plans/Riders

  • Present Top Three Plan Recommendations Based on Assessment Score

  • Marketplace Account Set-Up & Plan Enrollment (if applicable)

  • Complete Your Subsidy Application & Eligibility Determination (if applicable)

  • Ongoing Client Account Support & Maintenance

HEALTH & WELLNESS SOLUTIONS

Pays Your Health Providers

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HEALTH

INSURANCE

Covers claims for inpatient services, outpatient services and prescription drugs for members ages 0-64.

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Why it's needed?

Avg cost of injury: $9,992

Avg cost of diabetes: $19,807 Yr.

Avg cost of cancer: $147,000+ Yr.

Recommended for:

Ages 0-64

Avg cost of coverage: 0% - 8.5% of Income

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MEDICARE

PLANS

Covers claims for inpatient services, outpatient services and prescription drugs for Medicare members.

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Why it's needed?

Avg cost of injury: $9,992

Avg cost of diabetes: $19,807 Yr.

Avg cost of cancer: $147,000+ Yr.

Recommended for: Medicare members only

Avg cost of coverage: $175 - $350+ per mo.

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DENTAL

& VISION

Covers claims for oral & optical health services, prescriptions & appliances for ages 1-100+.

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Why it's needed?

For every $1 spent on dental wellness, $3.00 is saved in future needs. Recommended for: Ages 1+

Avg cost of coverage:

Discount only: $7 per mo

Insurance plans:

$20/ child $45/ adult.

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LONG TERM

CARE

Neither health insurance nor Medicare pay for LTC. The only way to pay for this is with your own funds, a LTC policy OR if you can qualify for Medicaid.

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Why it's needed?

Strict rules prevent you from transferring assets to someone else and Medicaid can come after your estate for reimbursement if they help pay your LTC bills.

The average cost of private nursing care is over $110K per year.

Recommended for: Ages 40+ with assets to protect.

Avg cost for coverage: $99-$999 per month.

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FIXED

INDEMNITY

These are reimbursement plans that pay YOU or your provider, the specified cash benefit if you suffer a qualifying illness or injury...

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For example: PLAN A will pay you $1,000 upon a hospital admission, $50 for a doctor visit, $75 for specialist visit and $25 per prescription. PLAN B offers double the coverage of PLAN A.

Recommended for: Members with health insurance or Medicare, concerned about still having out of pocket medical expenses like deductibles and copays.

Avg cost for coverage: $55-$99 per mo.

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TRAVEL

INSURANCE

Covers health emergencies, medical evacuation, trip cancellation expenses, lost luggage and more.

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Why it's needed?

Travel can be VERY expensive and because last minute issues can arise, this coverage offers "cancel for any reason" investment protection. Also, most traditional health plans do not offer coverage outside of the US border.

Recommended for: All international travelers

Avg cost for coverage: 5% - 10% of total trip investment.

ASSET PROTECTION SOLUTIONS

Pays You Cash to Help Avoid a Financial Catastrophe

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ACCIDENTAL

INJURY

Helps pay your deductible and other out of pocket expenses due to injury. This is your highest risk.

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Especially for those with active lifestyles, athlete's and those with kids in the home.

Recommended for: Anyone concerned about having to meet a high deductible suddenly and all at once.

Avg cost for coverage: $20 per mo per person for $5,000 coverage

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CRITICAL

ILLNESS

Pays a lump sum upon diagnosis of a critical or terminal illness. Average recovery time could mean 3-6 months without income.

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Why it's needed?

You have almost a 50% chance of a cancer diagnosis and it will cost the average family $52K of their own savings due to loss of wages (avg recovery: 3-6 mo) and expenses insurance doesn't cover.

Recommended for: All members age 29+ without these funds readily available for use.

Avg cost for coverage: $42.28 mo for $50K (male, 45).

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DISABILITY

INCOME

Pays monthly cash benefits for a specified time period to cover loss of income due to a qualified illness or injury.

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Why it's needed?

You have a 25% chance of a disability before age 65 and this coverage insures your income so you can still pay your bills while you're out of work.

Recommended for: All members who depend on "earned income" to meet their monthly obligations.

Avg cost of coverage: 1.5% - 3% of annual income

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LONG TERM CARE (HYBRID)

Death benefit policy with cash benefits available for Critical Illness, Terminal Illness, Disability and Long Term Care.

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Unused death benefits payable to beneficiary. Funds move tax free. Can be rented or owned.

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MORTGAGE PROTECTION

Cash protection that pays off your mortgage balance upon the death of the insured.

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This coverage is unique in that the death benefit amount, decreases along with your mortgage balance offering incredible affordability! Don't pay full price for a term policy if a portion of it is intended to pay off your mortgage. This strategy is less expensive.

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TERM LIFE

INSURANCE

Rental death benefit policy with cash benefits available for Critical Illness, Terminal Illness, Disability and Long Term Care.

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Unused death benefits payable to beneficiary. Funds move tax free. Expires after 10-30 Yrs.

ASSET GROWTH SOLUTIONS

Let's Build the Retirement of your Dreams!

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INDEXED UNIVERSAL LIFE

Death benefits payable to your beneficiary tax free. A percentage of the death benefit is available for Critical Injury, Critical Illness, Terminal Illness and Long Term Care. You can also add an "income for life" rider!

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Triple Compounding Interest. 1.) Floor starts over each year. 2.) Earns interest on the interest 3.) Earns interest on taxes you didn't have to pay (no tax on growth). Participate In the index fund with a guarantee of no losses. Lasts a lifetime. Add the lifetime income rider and receive tax-free income for life!

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IRA/401k

ACCOUNTS

Tax favored accounts. Some restrictions on deposit amounts and early withdrawal penalties can apply.

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Maximize your tax incentives and take full advantage of all the programs available! Or set up a fund to match your employee retirement contributions.

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TAX-SHELTERED

ANNUITIES

Turn your lump sum into structured guaranteed payments over time. Or start with an affordable monthly payment and watch your savings grow by participating in the S&P Index with NO risk.

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Triple Compounding Interest. 1.) Floor starts over each year. 2.) Earns interest on the interest 3.) Earns interest on taxes you didn't have to pay (until withdrawal). Participate In the index fund with a guarantee of no losses. Add the lifetime income rider and receive guaranteed income for life!

ADDITIONAL SOLUTIONS & SERVICES

Get the best value for your dollar with pre-packaged benefits

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5-IN-1 FAMILY SECURITY PLAN

Rental coverage that pays cash for critical illness, critical injury, terminal illness and long term care.

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If benefits go unused, the death benefit pays to your beneficiary tax free.

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6-IN-1 TOTAL PROTECTION PLAN

Permanent coverage that pays cash for critical illness, critical injury, terminal illness, long term care and pays income for life!

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If benefits go unused, the death benefit pays to your beneficiary tax free.

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POLICY

REVIEW

Having a professional like me review your current coverage each year is an essential piece of your financial health...

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You could be over-insured, under-insured or just not have the right coverage all together. You could also be missing out on a new, better suited program and savings.

REVIEWS

What our clients have to say!

M Gearing

Having to get your own insurance coverage can be so confusing and overwhelming with the thousands of options that are available. Tracy has been our broker for years and I recommend her to everyone. She makes sure her clients are well taken care of!

C Summerset

Oh my gosh, I can not say enough about how helpful and wonderful Tracy is! She patiently and thoroughly answered my numerous questions and she was quick at returning her responses. We spoke on the phone a couple times, as well as through email and I found her personality to be delightful and enjoyable! What a gem of a woman! She obviously takes great pride in being such a wonderful help to all of us who get overwhelmed with all the details of the many choices for insurance. Thank you so much Tracy!!

J Bates

Tracy is so awesome to work with and always goes the extra mile to make sure my family has the right coverage at the best price!