Frequently asked questions

General Questions

How do I make a payment?


The quickest way to make a payment is to call the carrier directly. This is a list of carriers and the number you can reach them at: - Cigna 1 (800) 997-1654‬ - SelectHealth (800) 538-5038‬ - University of Utah (801) 587-6480‬ We can also help you process that payment if you'd like to simply call us at




Do you offer free consultations to new customers?


Yes, we do! Even if you're trying to compare two plans that we don't offer, we'll help you understand the options available to you. So if you're deciding between you have two work plans, between your parent's plans, or between the many options on the marketplace. We're here to help you.




How is your business different from other agencies?


Insurance is confusing. With all of the numbers and unfamiliar terms like deductible, formulary, co-pay, and co-insurance, it can be hard to see through the words on the paper. It would help if you had someone that can make it simple, someone that can take care of the complexities. You only have to understand that we'll be there for you. So how does that make us different? We strive to make it easy and understandable for you. We aren't going to push a product on you because it makes us more money. We'll only present the options that will best protect you, your family, or your employees every time.




Why do I need to buy insurance?


Security. In a word, security is the reason that you buy insurance. Think about what it costs you to get sick. Here is a story from a client of ours: "At least once a year, I get a cold. Now and then it becomes something else like a sinus infection that leaves me miserable for a day or two. Having insurance helps me feel better about missing a day of work. If I don't work, that's $250 that I don't get for each day. So if I don't see a doctor, I'm usually unable to work for about a week. If I use my insurance and go to a doctor, I can get back to work faster, only taking a day or two off. That's a difference of $750 to $1,000. That's more than I pay in premium for the whole year." Insurance isn't about making money; it's about protecting the money, time, and assets that you've worked so hard to get.





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Our in-office consultations are currently by appointment only.

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