We specialize in personalized insurance brokerage across four key categories. Whether you're self-employed, a growing family, or a small business owner, we help you cut through the clutter and find the right coverage.
What we offer
Life Insurance
Peace of mind for those you love most.
Term, whole, or universal — we help you understand the differences and select the right policy for your needs.
Health Insurance
Medical coverage that makes sense.
We guide you through plans and benefits so you’re not paying for things you don’t need (or missing what you do).
Accident Insurance
Unexpected injuries shouldn’t mean financial ruin.
We find affordable protection for medical emergencies, ER visits, and recovery expenses.
Disability Insurance
Protect your paycheck if you can’t work.
Whether it’s short-term or long-term, we’ll help you build a plan that keeps you covered if life takes a turn.
Service Comparison Table
| Feature/Category | Life Insurance | Health Insurance | Accident Insurance | Disability Insurance |
|---|---|---|---|---|
| Purpose | Provides a death benefit to beneficiaries | Covers medical expenses for illness or injury | Offers coverage for injuries due to unexpected accidents | Replaces a portion of income if unable to work due to injury/illness |
| Who It's For | Individuals with dependents or long-term financial obligations | Individuals or families seeking ongoing medical coverage | Workers, drivers, or active individuals seeking accident protection | Self-employed, employed individuals, or those with limited sick leave |
| Coverage Type | Term / Whole / Universal | HMO / PPO / Catastrophic Plans | Lump sum or reimbursement for accident-related costs | Short-term or long-term income replacement |
| Typical Benefits | Lump sum payout to beneficiaries | Doctor visits, hospitalization, prescriptions, preventive care | Emergency room, ambulance, therapy, fracture coverage | Weekly or monthly income, job protection, rehab assistance |
| Premium Range (Estimate) | $25–$150/month depending on age/coverage | $150–$500/month depending on plan & family size | $15–$50/month (individual plans) | $30–$100/month depending on income & benefits |
| Eligibility | Medical underwriting may be required | Based on state, employment, or marketplace eligibility | Generally open to all; minimal health screening | May require proof of employment/income history |
| Waiting Period | None to 2 years (depending on policy type) | Typically immediate, some have waiting periods | Immediate or up to 30 days | 7–90 days depending on policy type |
| Payout Style | One-time lump sum upon death | Reimbursement or direct payment to providers | Fixed benefit or reimbursement | Monthly income replacement |
| Common Add-Ons/Riders | Accidental Death, Waiver of Premium, Living Benefits | Dental, Vision, Telehealth | Hospital Cash Benefit, Disability Rider | Return to Work Support, Cost of Living Adjustment |
| Best For | Financial legacy & family protection | Ongoing medical needs and preventive care | Emergency protection for physical injury | Protecting income during recovery |
Life Insurance
Purpose: Provides a death benefit to beneficiaries
Who It's For: Individuals with dependents or long-term financial obligations
Coverage Type: Term / Whole / Universal
Typical Benefits: Lump sum payout to beneficiaries
Premium Range: $25–$150/month depending on age/coverage
Eligibility: Medical underwriting may be required
Waiting Period: None to 2 years (depending on policy type)
Payout Style: One-time lump sum upon death
Add-Ons: Accidental Death, Waiver of Premium, Living Benefits
Best For: Financial legacy & family protection
Health Insurance
Purpose: Covers medical expenses for illness or injury
Who It's For: Individuals or families seeking ongoing medical coverage
Coverage Type: HMO / PPO / Catastrophic Plans
Typical Benefits: Doctor visits, hospitalization, prescriptions, preventive care
Premium Range: $150–$500/month depending on plan & family size
Eligibility: Based on state, employment, or marketplace eligibility
Waiting Period: Typically immediate, some have waiting periods
Payout Style: Reimbursement or direct payment to providers
Add-Ons: Dental, Vision, Telehealth
Best For: Ongoing medical needs and preventive care
Accident Insurance
Purpose: Offers coverage for injuries due to unexpected accidents
Who It's For: Workers, drivers, or active individuals seeking accident protection
Coverage Type: Lump sum or reimbursement for accident-related costs
Typical Benefits: Emergency room, ambulance, therapy, fracture coverage
Premium Range: $15–$50/month (individual plans)
Eligibility: Generally open to all; minimal health screening
Waiting Period: Immediate or up to 30 days
Payout Style: Fixed benefit or reimbursement
Add-Ons: Hospital Cash Benefit, Disability Rider
Best For: Emergency protection for physical injury
Disability Insurance
Purpose: Replaces a portion of income if unable to work due to injury/illness
Who It's For: Self-employed, employed individuals, or those with limited sick leave
Coverage Type: Short-term or long-term income replacement
Typical Benefits: Weekly or monthly income, job protection, rehab assistance
Premium Range: $30–$100/month depending on income & benefits
Eligibility: May require proof of employment/income history
Waiting Period: 7–90 days depending on policy type
Payout Style: Monthly income replacement
Add-Ons: Return to Work Support, Cost of Living Adjustment
Best For: Protecting income during recovery
Notes:
Custom consultations are available to help clients choose the best fit based on budget, health profile, and risk tolerance.
All services include application support, claims guidance, and personalized customer service from licensed agents.
What others have to say:
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“It all begins with an idea. Maybe you want to launch a business.”
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“It all begins with an idea. Maybe you want to launch a business.”
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“It all begins with an idea. Maybe you want to launch a business.”
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“It all begins with an idea. Maybe you want to launch a business.”
Frequently Asked Questions
At Freedom Life Accident and Health Insurance Brokerage LLC, we are committed to providing exceptional, client-focused service. Our mission is to help individuals and families secure the coverage they need with clarity, trust, and compassion. Below are answers to some of the most frequently asked questions.
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We specialize in life, health, accident, and disability insurance. Our goal is to help individuals, families, and small businesses find personalized insurance solutions tailored to their unique needs and budgets.
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No. We believe in customizing each solution based on your risk profile, financial goals, and coverage requirements. Every client receives a personalized recommendation through a one-on-one consultation.
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Our process is simple and transparent:
- Step 1: Fill out our inquiry form or give us a call.
- Step 2: We schedule a personalized consultation to understand your needs.
- Step 3: We present tailored insurance options and assist with enrollment.
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Yes. From paperwork to policy selection, we guide you through the entire application and claims process to make it as smooth and stress-free as possible.
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Yes. We can review your current coverage and determine whether it meets your needs. If better or more cost-effective options are available, we’ll provide a recommendation and assist with transitioning.
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Some policies provide same-day coverage, while others may require a few days to a few weeks depending on underwriting or medical evaluations. We will walk you through the timeline during your consultation.
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Yes. All of our agents are fully licensed in New York State and receive ongoing training to stay up to date with insurance regulations and new offerings.
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As an independent brokerage, we partner with multiple trusted insurance carriers. This allows us to compare plans and offer you the best match for your situation.
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Yes. We uphold strict confidentiality and data protection standards. Your personal information is never shared without your explicit consent.
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We put clients first—always. Our dedication to personalized service, transparent guidance, and long-term support sets us apart. We are here not just to sell a policy, but to be your lifelong insurance partner.
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We offer flexible communication options and are available by email or appointment outside of traditional business hours to accommodate your schedule.