Life and health insurance with guidance you can trust
Coverage that puts your family first
Life and health insurance should fit real life, from first apartments near to growing families and retirees. Tate Insurance Group explains options in plain language, compares carriers, and helps you choose coverage that meets your budget today and adapts as life changes.
Life insurance options
Choose term life for affordable protection during mortgage and child-raising years or permanent policies that can last a lifetime and may build cash value. We estimate the amount you need for income replacement, debts, and future goals, then align the policy with your timeline and premium comfort.
When you want deeper details, explore our life insurance page for term, whole, and universal choices.
Health insurance made clearer
Whether you need an individual ACA plan, Medicare guidance, or short-term coverage between jobs, our team compares networks, prescriptions, and costs so you can see how plans work before you enroll. For employers, we coordinate plan design, contributions, and renewals so benefits stay competitive and predictable.
Benefits for growing teams
Businesses lean on us for medical, dental, vision, life, and disability plans that fit headcount and budget. We help with onboarding, employee questions, and renewal strategy, then integrate benefits with your broader risk plan.
Service and claims support
When life changes or a claim happens, you call Tate first. Our local team updates beneficiaries, handles evidence of insurability, and coordinates claims so you are not left sorting forms alone. We schedule annual reviews to adjust coverage as needs shift.
Life & Health, Simplified
Frequently Asked Questions About Life & Health Insurance
How much life insurance do I need?
We estimate based on income replacement, debts, and future goals, then refine during your quote.
Can I get coverage without a medical exam?
Many carriers offer simplified issue for certain ages and amounts. We will compare options.
What is the difference between HMO and PPO?
Networks and referral rules differ. We review your doctors and prescriptions to find a good fit.
When can I enroll in an ACA plan?
Open Enrollment happens annually, with Special Enrollment for qualifying life events.
Do you help with Medicare?
Yes. We explain Parts A, B, C, and D, check drug formularies, and review plan changes each year.
