Our Mission
Better Late Than Never – Your Trusted Health & Life Insurance Agent
Affordable Health Insurance & Life Insurance Solutions Across 17 States
If you're looking for reliable, affordable coverage, you’re in the right place. Better Late Than Never helps individuals and families get quality health insurance — many qualifying for $0 plans, depending on income.
I’m a licensed health and life insurance agent dedicated to simplifying coverage, maximizing subsidies, and helping you enroll quickly and confidently.
Health Insurance Plans (ACA Marketplace)
Get help comparing top carriers:
Ambetter
Molina
Oscar
Cigna
United Healthcare
Aetna (exiting Marketplace)
Whether you need $0 coverage, low-cost plans, or a better deductible, I guide you through your options and handle the enrollment from start to finish.
Life Insurance & Final Expense Plans
Protect your family with affordable, easy-approval life insurance options.
I work with some of the strongest and most trusted final expense carriers in the industry, including Mutual of Omaha, Aetna, Transamerica, Royal Neighbors of America, Americo, and Guarantee Trust Life (GTL).
Whether you need coverage for funeral expenses, family protection, or long-term peace of mind — I help you compare plans, qualify quickly, and get covered the same day in many cases.
No medical exam required for most plans.
Why Work With Me?
Licensed in 17 states
Fast, simple enrollments
Call-only availability — speak directly to an agent
Personalized recommendations
No long forms
Zero-pressure, zero-cost consultations
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Call Now
561-213-0517
954-546-3534
Get a free quote in minutes.
Service Areas
Licensed and serving clients in:
Florida, Texas, Louisiana, Georgia, Alabama, North Carolina, South Carolina, Tennessee, Virginia, Arizona, Nevada, Ohio, Pennsylvania, Missouri, Indiana, California.
Frequently Asked Questions
Do I qualify for a $0 monthly premium?
Many clients do — it depends on income, household size, and location.
Can I enroll without a qualifying life event?
Yes!
During Open Enrollment, no QLE is required.
Which carriers do you represent?
Ambetter, Molina, Oscar, Cigna, UHC, and more depending on your state.
How long does enrollment take?
Often less than 10 minutes by phone.
Do you help with life insurance or just health insurance?
I offer both — ACA health plans, final expense, and traditional life insurance products.
Get Covered Today
Call or text 561-213-0517/ 954-546-3534 to review plans, compare prices, or enroll over the phone.
Better coverage starts today — Better Late Than Never.