Insurance Services | Strother Insurance

Service One

Health Insurance

Whether you need an ACA marketplace plan that covers pre-existing conditions, an affordable private plan, or group coverage for your small business, Monte will walk you through the trade-offs and find the option that fits.

Our clients are individuals, families, and the self-employed under 65 — the people who need the most help navigating today's health insurance landscape.

Get a Health Quote

Health Plan Types We Offer

ACA (Marketplace)

Obamacare-compliant plans that cover essential health benefits including doctor visits, prescriptions, preventive care, and hospital stays. Cannot deny coverage for pre-existing conditions.

Private Plans

Affordable, flexible coverage for limited periods — ideal for healthy, self-employed individuals. Note: these plans do not cover pre-existing conditions.

Group Insurance

Small business health coverage with employer contributions toward employee premiums. Minimum employer contribution varies by state (typically 50%).

Service Two

Life Insurance

Life insurance provides financial protection for your loved ones by paying a cash benefit to your chosen beneficiaries when something happens to you. Monte will help you choose the right type and coverage amount.

Term Life Insurance

Lower-cost coverage for a set period — ideal for income replacement during working years.

Whole Life Insurance

Lifetime coverage that builds cash value over time alongside the death benefit.

Get a Life Quote

Service Three

Supplemental Insurance

Supplemental plans pay you cash directly — for medical bills, daily living expenses, or recovery costs — when life throws something unexpected. They fill the gaps your primary health insurance can leave behind.

Fixed Indemnity

Pays set cash amounts for specific medical services regardless of actual bills.

Accident + AD&D

Lump-sum benefits for accidental injury or death/dismemberment, with optional illness rider.

Critical Illness

Lump-sum payment upon diagnosis of serious conditions like cancer, heart attack, or stroke.

Cancer, Heart & Stroke

Cash benefits specifically for the three biggest financial threats to your family.

Get Supplemental Quote

More Coverage

Dental, Vision & Travel Insurance

Round out your protection with affordable add-on coverage built around how you actually live.

Dental Insurance

Coverage for cleanings, exams, X-rays, fillings, crowns, and root canals — with preventive care often at minimal cost to you.

Vision Insurance

Routine eye exams, glasses, and contact lenses at reduced out-of-pocket costs. Built for everyday eye health.

Travel Insurance

Protection for unexpected medical emergencies, trip interruptions, and travel-related risks — domestically and abroad.

FAQ

Common Questions, Honest Answers

ACA plans (Obamacare / marketplace) cover essential benefits and can't deny coverage for pre-existing conditions, but they can be expensive. Private plans are more flexible and often more affordable for healthier, self-employed individuals — but they don't cover pre-existing conditions. Monte walks you through both sides so you can choose with confidence.

Supplemental plans pay you cash directly for specific events (accident, critical illness, hospitalization) on top of your primary health coverage. They're especially valuable if you have a high-deductible plan or want extra cushion against unexpected costs.

Term life is generally cheaper and great for replacing income during working years. Whole life costs more but provides lifetime coverage and builds cash value. Monte will help you decide which approach (or combination) fits your goals.

Absolutely. Most Strother clients combine health insurance with one or more supplemental products and a life insurance policy. Bundling through one trusted broker means one point of contact for everything.

Independent brokers like Monte are paid commission by the insurance carriers when you enroll — not by you. Quotes, consultations, plan reviews, and ongoing support are completely free to clients.

Insurance, Made Personal