MEET THE FOUNDER & CEO
Hey, I'm Ryan!
Since becoming a licensed life and health insurance professional in 2022, I've had the privilege of assisting over 500 individuals with their Medicare Advantage and final expense insurance needs. I am passionate about providing clear, reliable guidance and helping clients make confident decisions about their health and financial security.
In October 2024, I launched Live Well Solutions LLC to better serve our community's insurance needs. Based in the greater Chicagoland area, we are fully licensed to offer life and health insurance services across Illinois, Virginia, Iowa, South Carolina, Ohio, New Mexico, Louisiana, Oklahoma, and Texas. More states to come soon! At Live Well Solutions, we specialize in Medicare Advantage and Supplement plans, life insurance, and Affordable Care Act (ACA) insurance.
Fully Licensed in 9 States (and counting)
Worked with over 500 Individuals
Multiple products offered
Frequently Asked Questions
Common Questions Answered for your convenience.
Do seniors still need life insurance?
Yes, life insurance can be valuable for seniors, especially for those looking to cover end-of-life expenses, leave a financial legacy for loved ones, pay off remaining debts, or ensure their spouse or dependents are financially secure.
What is final expense insurance, and how is it different from traditional life insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs, such as funerals and medical bills. It typically has smaller coverage amounts (e.g., $5,000–$50,000) and easier qualification requirements compared to traditional life insurance.
Can seniors get life insurance without a medical exam?
Yes, many insurers offer no-exam policies, such as simplified issue or guaranteed issue life insurance. These policies may have higher premiums and lower coverage amounts but are excellent options for those with pre-existing health conditions.
What is term life insurance?
Term life insurance is a type of life insurance policy that provides coverage for a specific period (term), such as 10, 20, or 30 years. If the policyholder passes away during the term, the beneficiaries receive a death benefit. If the term expires, the policy usually ends without a payout unless renewed or converted.
What is a Medicare Advantage Plan?
Medicare Advantage (Part C) plans are an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare and provide all Part A (hospital) and Part B (medical) benefits, often with additional coverage like dental, vision, hearing, and prescription drugs.
What is a Medicare Supplement Plan?
A Medicare Supplement Plan is private health insurance designed to cover the "gaps" in Original Medicare. These gaps include out-of-pocket expenses such as deductibles, copayments, and coinsurance. Medicare Supplement plans work alongside Original Medicare, meaning Medicare pays its share first, and then your Medicare Supplement Plan pays its share based on the plan's benefits. This helps reduce or eliminate your out-of-pocket costs.