Health, Life, and Disability Insurance for Individuals and Families

At JD Fulwiler and Insurance Company, we know the importance of feeling secure when it comes to health care and individual coverage. Still, we recognize the challenges of finding a policy that fits your needs and budget with the ever-increasing cost of medical care, particularly for those who don’t have access to employer-sponsored coverage.

Your health is our priority, and we are here to support you every step of the way. With in-house claims support available to assist you through various insurance solutions, we are proud to become your advocate and resource for finding individualized health care. 

Individual Health Insurance

Finding individual health care should be easy. As health insurance brokers, we provide solutions that may allow you to take more control of your healthcare choices, lower payments, or grant you access to a wider network of providers. This includes non-employee-sponsored plans or individual health insurance that may work better with your budget.  

Remember that your peace of mind is our utmost priority, and we are committed to supporting you every step of the way. That’s why our dedicated team of individual insurance experts are here to guide you through the process, offering personalized assistance to help you find the care that serves you and your family best. 

Life Insurance

Individual life insurance provides financial protection and offers peace of mind for your family during uncertain times. If you need assistance regarding coverage details, let’s discuss how we can simplify your coverage. 

All you need to do is connect with a life insurance broker, and we will assist you in determining the value and terms of a policy tailored to you and your family. 

Disability Insurance

We understand the importance of safeguarding your livelihood, and our dedicated team is here to help you find the perfect policy that may protect your income and the well-being of your loved ones.

Non-employer-sponsored disability insurance offers crucial protection for your lifestyle in case of a loss of income. Let us simplify the process and guide you toward the best decision for your individual insurance needs by contacting us today.

Medicare Insurance Plans 

Navigating the complexities of Medicare insurance plans can be overwhelming. We also know that deciding between Medicare Advantage and Supplement plans isn’t easy, nor is figuring out how prescription drug coverage fits in. 

We empathize with your concerns and want to offer our support. Our dedicated Medicare insurance specialists are here to assist you in reviewing your plan options and making informed choices about your Medicare coverage.

We do not offer every plan available in your area. In the Greater Portland Oregon tri-county area we represent 10 organizations which offer 50 products in this area. In Clark County Washington we represent 7 organizations which offer 47 products in this area. We do represent plans in other areas of both Oregon & Washington and will include the counts when we are working with Medicare Beneficiaries in other counties. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Individual Insurance FAQ

Get answers to commonly asked questions about insurance coverage.

How Does Life Insurance Work?

We design our life insurance plans for individual needs. Before the coverage starts, the policyholder will meet with an insurance expert to decide on the benefits timeline, coverage amount, premium, and other factors. 

The policyholder then designates the benefactor(s) and makes the agreed premium payments. How the funds get paid out depends on the plan’s underwriting, but typically a beneficiary receives a single lump-sum payment or the benefits in installments.

We invite you to schedule a one-on-one consultation with an insurance professional to learn how an individualized life insurance plan works for your needs. Contact us today.

What is Long-Term Disability Insurance?

Long-term disability insurance may provide financial reimbursement for an extended period when an illness or medical issue disallows someone to work. The benefit amount and period are typically based on the percentage of a policyholder’s gross income and the insurance agreement. 

In this case, the benefit period is usually assumed through months to years, making it a long-term policy. You can learn more about our individual long-term disability insurance plans by reaching out to a member of our team. Get in touch with us today.  

What is Short-Term Disability Insurance?

Individual short-term disability plans work similarly to long-term coverage. Both policies have the potential to offer financial reimbursement in the event of an illness or medical event that prevents an individual from working. 

The most notable differences often involve the benefit amount, the waiting period, premiums, and the benefit period. In this case, the benefit period ranges from weeks to months instead of the years to months of a long-term policy.  

Given the complexities of individual insurance policies, we recommend consulting with our brokerage team to design a short-term disability plan tailored to your budget and needs. 

Contact our team today.