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Howard the Health Insurance Guy!


Protecting what you value most!

Insurance can be overwhelming and changes constantly! Each family has unigue needs. Make sure you are getting the best possible coverage by speaking with a professional. Let us help you find the perfect plan for your situation.

Individual Health Insurance

Health insurance is a vital resource for individuals and families. It's not just about handling emergency medical expenses – regular checkups, preventive care, and chronic disease management are all important aspects of maintaining health. See some key reasons why health insurance is crucial:

ACA Market Place Insurance

Better known as Obamacare. ACA insurance is great for people with pre-existing conditions or who qualify for a tax credit. Income guidelines have increased allowing for Tax credits that help with monthly premiums.

Dental Insurance

Dental insurance plays a crucial role in helping people effectively manage the costs of maintaining good oral health. Oral health plays a major role in overall health.

Life Insurance

Life insurance is a crucial part of financial planning that helps protect your family and your assets from the financial impact of unexpected death.

Group Insurance

Offering your employees insurance has never been more important. Protecting your bottom line while keeping employees happy has become a challenge we have excelled at.

CI / A&DD Insurance

Critical illness insurance can provide a lump sum payment if diagnosed with specified illnesses like heart attack, stroke, or cancer, easing financial burdens during recovery.

One of my favorite supplements!

Fills lots of needs and can pay for its self with all the benefits and savings.

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Insurance comes with a network with certain hospitals and doctors that you can use. ACA Market Place insurance plans have limited networks. If you go to a hospital that is out of network, you most likely will have zero coverage. Wouldn’t it be nice if an accident happens to be able to use the closest hospital? The Ameribenefit Medical Accident expenses can help with out-of-pocket costs associated with an accident!

My Value Ladder

Here is what I bring to the table

  • ​Basic information and education about health insurance options, such as the different types of plans available and how they work.
  • ​Assistance with comparing and selecting the best plan for your needs and budget.
  • ​Help with enrolling in a plan and navigating the application process.
  • ​Ongoing support and guidance, such as answering questions and providing resources to help the individual understand and use their coverage effectively.
  • ​Additional services, such as claims assistance and advocacy on behalf of the policyholder.
  • ​Advanced service such as plan review and optimization, employee benefit management, and compliance.
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Your Compelling Strategy (Branded Term)


"This headline gets attention"

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"This headline gets attention"

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Looking for a new carrier?


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  • ​Big time, Small time Any time:  The choice is yours.
  • ​Be your own boss: Easiest and least expensive way to own your own business.
  • ​Support: We have systems and ongoing training that can take you where finacially you need to be.  

I did it, and so can you! I started my insurance carrier with zero knowledge about insurance. The FREE training and resources are unbelievable. At my own pace, I was able to make money only a few weeks after I began. Some of my past recruits can earn commissions on their first day.

My Bolg All rights reserved 2023 and beyond. 
5055 N Highway N suite 118  
St Charles MO 63304