Protect your family’s future — coverage that stays with you
Final expense life insurance, Medicare Supplement guidance, and cancer cash-benefit plans — delivered with care by licensed specialist Harvey Cohen.
Harvey Cohen
Licensed Specialist • 25+ years
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25+ Years Serving Families
Local, licensed guidance from Harvey Cohen. Personal, patient, and pressure-free.
30+ Top-Rated Carriers
Independent access to multiple A-rated companies to find your best fit.
Thousands of Families Protected
Plans that last a lifetime, with rates designed to stay predictable.
Medicare Made Clear
Two paths at 65: Medicare Advantage (Part C) or Original Medicare + Medigap (Supplement). Harvey explains the trade-offs in plain English so you can choose with confidence.
Book My Free ReviewKey Medigap Advantages:
- Freedom to see any doctor who accepts Medicare
- No network restrictions or referral requirements
- Coverage that travels with you nationwide
- Predictable out-of-pocket costs
How It Helps You Focus on Recovery
Benefits, availability, and amounts vary by state and carrier. Subject to policy terms.
Cancer Cash-Benefit Plans
Supplement your health insurance with cash paid directly to you after diagnosis. Use it for deductibles, out-of-network specialists, travel & lodging, lost income, childcare, or everyday bills.
What Families Say
Real stories from people we've had the privilege to help secure their future.
“Harvey made everything simple. We locked in a plan we can afford and our kids won’t have to worry.”
“Straight answers, no pressure. He compared multiple carriers and found us a better fit than we could find on our own.”
“We travel often. Harvey showed us why Medigap made sense so our coverage travels with us. Peace of mind is priceless.”
Frequently Asked Questions
Do rates ever increase?⌄
Many whole-life final expense plans are designed with level premiums; specifics depend on carrier and policy form. We’ll show options that aim for predictable costs.
Can I be declined for health reasons?⌄
Carriers view health differently. Some plans ask health questions; others may be guaranteed-issue with graded benefits. Harvey helps match you to the best fit.
How does Medicare Supplement differ from Advantage?⌄
Medigap works with Original Medicare to reduce out-of-pocket costs and offers nationwide freedom with any Medicare-accepting provider. Advantage is an alternative with networks, authorizations, and an annual out-of-pocket cap that can still be significant. We’ll compare side-by-side for your situation.
PART OF OUR A-RATED CARRIER NETWORK
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