Protecting

LIVES

Insurance Planning

Purchasing Insurance is an emotional decision. Let us take the stress out of it for you. Seeking guidance or reassurance?  Call or message us today.

Insurance Planning

Purchasing Insurance is an emotional decision. Let us take the stress out of it for you. Seeking guidance or reassurance?  Call or message us today.

Medicare

Newly eligible for Medicare? Looking for different coverage options for your Medicare Advantage plan? We can help! Call or message us today.

Medicare

Newly eligible for Medicare? Looking for different coverage options for your Medicare Advantage plan? We can help!  Call or message us today.

Disability Coverage

Insurance that protects the one thing that makes owning all of your assets possible – your income. Have work coverage but not sure it’s enough? Call or message us today.

Disability Coverage

Insurance that protects the one thing that makes owning all of your assets possible – your income. Have work coverage but not sure it’s enough? Call or message us today.

About eIndividual

Professional, Experienced, In-touch

We are a team of insurance specialists dedicated to making an impact professionally and within the community. With many combined years of experience we strive to develop first-rate plan designs that offer flexibility and quality to protect you and your assets. Our goal is to provide unbiased education and options for your individual insurance needs. We offer Life Insurance, Income Protection, Health Insurance, Medicare Part C plans and more. We have a specialist for each line of coverage and look forward to serving you!

The eIndividual team is standing by.

 

Life Insurance

Life insurance can play an important role in your long-term financial security.
A good plan design should stand the test of time and everyone’s needs vary. It must be flexible enough to cover promotions, salary increases and other personal changes. If you have loved ones who count on you, you need a life insurance policy. We have an instant quoting tool for that too.

Disability Insurance

Ever wonder what would happen if you were too sick or injured to go back to work? Disability Insurance aka Income Replacement was designed for just that, your most valuable asset! All it would take is one severe illness or accident. We have options designed to fit your goals. Check out our instant quoting tool or reach out to our team today.

Individual Health Insurance

Individual and Family health insurance plans provide long-term protection and comprehensive medical coverage for you and your family. While some people gain health insurance coverage through their employers, others need to gain their own individual plan. Enrollment is typically November 1st to December 15th. To see if you qualify for a special enrollment period please click here or compare plans and benefits to find the best match for you.

Free Downloads

If you’re like most, you have a lot of questions. From access to health care to questions about what to do when you’re hurt and can’t work. How you provide for your family after your death is also an important consideration. Click on the topics below to download FREE non-obligatory information about all of these topics and more.

Frequently Asked Questions

Leave no question unanswered!

Who is eindividual and how long have you been around? why haven't i heard of you?

eIndividual is a part of the Acrisure family of Insurance Brokers, which is one of the top 10 insurance brokerages in the world. Our team came together in 2019, a group of specialists designed to fit every day insurance needs. With the sole purpose to help protect lives and make an impact with what we feel is the most comprehensive options available on the market. We partner with the best insurance carriers, offering more plans, more savings, more options, and more alternatives.

I have life insurance coverage through work, isn't that enough?

There are many reasons why coverage through work is a great added perk but does it really fit your fit your long term financial goals? Do you plan to work at the same place until you retire? If not, let us craft a plan that better suits your needs.

Can I get disability insurance for maternity leave?

While group plans provide coverage for maternity leave, privately owned policies typically do not.

How will Medicare effect my Health Insurance at Work?

At age 65 employees have the choice to leverage their Medicare eligibility on their own with an individual plan, or they can choose to stay on the group plan as is.   Individual plans are generally less than half the cost in gross premium and usually provide better coverage as well.   To transition to individual Medicare, they would need to elect Medicare Part B, whereas in most cases employees who choose to stay on the group plan can delay their Part B election until a later date without penalties or waiting periods. 

If you remain on your employer’s health plan, claims will be paid the same as always, no differently than any other employees on the same plan.  Carriers are not allowed to pay the claim differently based on Medicare eligibility, that’s discrimination.  That said, the carrier will often coordinate with Medicare when paying the claim, but that process is seamless to you the member and takes place behind the scenes.   Example: with a hospital claim, the carrier will pay the hospital as per the plan benefit, but then they will send a claim to Medicare to cover any portion for which Medicare may be responsible. 

i Just lost my job, what are my options?

If you lost your group health insurance coverage, we can provide assistance to understand your options. We will compare the different plans and find the right coverage to fit your needs. You can also use our simple enrollment tool; place the health insurance tool link here.

I have disability insurance through work, isn't that enough?

Many insurance plans provided by employers still leave a financial gap. Employer-sponsored plans usually only pay for a portion of your base salary, up to a cap. We recommend you consider supplementing your group coverage.

Reach Out

eIndividual is a proud part of the Acrisure family of companies.

738 N. First St.
San Jose, CA 95112

888.887.4325

8am - 5pm M-F Pacific Time

crystal@eindividual.com

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