Insurance Products We Offer
Explore our comprehensive range of insurance products. All analysis and recommendations provided at no cost to you.
Most Popular Products
Our clients' top choices for protection and planning
20-Year Term Life
"Popular mortgage protection choice"
Most popular term length, ideal for mortgage and family protection during peak earning years.
Key Features:
- Level premiums for 20 years
- Mortgage protection focus
- Convertible options
- Family income replacement
Best for: Growing families, Homeowners, Peak earning years
Typically less than $25/month*
Indexed Universal Life
"Market upside with downside protection"
Universal life with cash value tied to market index performance, offering growth potential with protection.
Key Features:
- Market index participation
- Downside protection (0% floor)
- Flexible premium payments
- Tax-deferred cash accumulation
Best for: Growth-oriented planning, Tax efficiency, Retirement supplementation
Higher premiums for cash accumulation*
Fixed Indexed Annuities
"Growth potential with protection"
Annuities offering market upside potential while protecting against market downturns.
Key Features:
- Market index participation
- Principal protection (0% floor)
- Various crediting methods
- Lifetime income riders available
Best for: Growth with protection, Retirement income, Market participation
Minimum deposits typically $10,000+*
ACA Marketplace Plans
"Comprehensive health coverage options"
Individual and family health insurance plans through the Affordable Care Act marketplace.
Key Features:
- Essential health benefits coverage
- Preventive care covered 100%
- Multiple plan options available
- Subsidy eligibility for qualifying incomes
Best for: Individuals without employer coverage, Families, Self-employed, Early retirees
Varies by income and location*
Long-Term Disability
"Career-long income protection"
Extended income replacement for disabilities lasting beyond short-term period.
Key Features:
- Benefits to age 65/67
- Own occupation definitions
- Inflation protection available
- Partial disability benefits
Best for: Professional income protection, Long-term security, High earners
Typically 1.5-3% of income*
Life Insurance with LTC
"Death benefit or care benefits"
Permanent life insurance with long-term care rider providing dual benefits.
Key Features:
- Life insurance base policy
- LTC benefits through rider
- Return of premium options
- Flexible benefit utilization
Best for: Dual-purpose planning, Premium guarantee, Estate planning
Higher than traditional LTC*
Critical Illness Insurance
"Financial protection for serious diagnoses"
Lump-sum benefit paid upon diagnosis of covered critical illnesses like cancer, heart attack, or stroke.
Key Features:
- Lump-sum cash benefit upon diagnosis
- Coverage for major critical illnesses
- Use benefits for any purpose
- Additional benefit for spouse and children
Best for: Health-conscious individuals, Family protection, Financial security seekers
Typically $25-75/month*
Group Short-Term Disability
"Income protection for workplace injuries"
Group disability coverage providing income replacement for employees unable to work due to injury or illness.
Key Features:
- Percentage of salary replacement
- Short waiting periods
- Group underwriting advantages
- Integration with other benefits
Best for: Employers seeking comprehensive benefits, High-risk occupations, Business owners
Based on payroll and industry risk*
Browse by Category
Find the right insurance solution for your needs
10-Year Term Life
"Budget-friendly short-term protection"
Affordable coverage for temporary needs with level premiums for 10 years.
Key Features:
- Level premiums for 10 years
- High coverage amounts available
- Convertible to permanent
- No medical exam options
Best for: Young adults, Temporary debt coverage, Budget-conscious families
Typically less than $15/month*
20-Year Term Life
"Popular mortgage protection choice"
Most popular term length, ideal for mortgage and family protection during peak earning years.
Key Features:
- Level premiums for 20 years
- Mortgage protection focus
- Convertible options
- Family income replacement
Best for: Growing families, Homeowners, Peak earning years
Typically less than $25/month*
30-Year Term Life
"Maximum term protection period"
Longest available term coverage for extended protection through retirement years.
Key Features:
- Level premiums for 30 years
- Extended protection period
- Career-long coverage
- Retirement transition planning
Best for: Young professionals, Long-term planning, Extended obligations
Typically less than $35/month*
Whole Life Insurance
"Guaranteed lifetime protection"
Traditional permanent life insurance with guaranteed premiums, death benefit, and cash value.
Key Features:
- Guaranteed premiums and death benefit
- Cash value accumulation
- Lifetime protection
- Policy loans available
Best for: Estate planning, Wealth transfer, Conservative investors
Varies by age and coverage*
Universal Life Insurance
"Flexible permanent protection"
Flexible premium permanent life insurance with adjustable death benefits and cash accumulation.
Key Features:
- Flexible premiums and death benefit
- Cash value growth potential
- Interest rate sensitivity
- Policy management flexibility
Best for: Flexible planning needs, Variable income, Investment-oriented
Varies by design and funding*
Indexed Universal Life
"Market upside with downside protection"
Universal life with cash value tied to market index performance, offering growth potential with protection.
Key Features:
- Market index participation
- Downside protection (0% floor)
- Flexible premium payments
- Tax-deferred cash accumulation
Best for: Growth-oriented planning, Tax efficiency, Retirement supplementation
Higher premiums for cash accumulation*
Fixed Annuities
"Guaranteed growth and safety"
Traditional fixed annuities offering guaranteed interest rates and principal protection.
Key Features:
- Guaranteed interest rates
- Principal protection
- Tax-deferred growth
- Income options available
Best for: Conservative investors, Principal protection, Guaranteed income
Minimum deposits vary by carrier*
Multi-Year Guarantee Annuity
"Fixed rate for specific term"
Fixed annuity with guaranteed interest rate locked in for a specific number of years.
Key Features:
- Rate guaranteed for term (3-10 years)
- Higher rates than traditional fixed
- No market risk
- Flexible payout options
Best for: CD alternatives, Rate certainty, Short to medium-term planning
Competitive with CD rates*
Fixed Indexed Annuities
"Growth potential with protection"
Annuities offering market upside potential while protecting against market downturns.
Key Features:
- Market index participation
- Principal protection (0% floor)
- Various crediting methods
- Lifetime income riders available
Best for: Growth with protection, Retirement income, Market participation
Minimum deposits typically $10,000+*
Immediate Annuities
"Income starts right away"
Convert lump sum into immediate guaranteed income stream for life or specific period.
Key Features:
- Immediate income payments
- Lifetime income options
- Period certain options
- Pension maximization strategies
Best for: Immediate income needs, Pension replacement, Retirement transition
Income varies by age and amount*
ACA Marketplace Plans
"Comprehensive health coverage options"
Individual and family health insurance plans through the Affordable Care Act marketplace.
Key Features:
- Essential health benefits coverage
- Preventive care covered 100%
- Multiple plan options available
- Subsidy eligibility for qualifying incomes
Best for: Individuals without employer coverage, Families, Self-employed, Early retirees
Varies by income and location*
Short-Term Disability
"Bridge income protection"
Temporary income replacement for short-term disabilities lasting 3-12 months.
Key Features:
- Benefits for 3-12 months
- Quick benefit start (0-14 days)
- Covers accidents and illness
- Partial disability benefits
Best for: Gap coverage, Accident protection, Illness recovery
Typically 1-3% of income*
Long-Term Disability
"Career-long income protection"
Extended income replacement for disabilities lasting beyond short-term period.
Key Features:
- Benefits to age 65/67
- Own occupation definitions
- Inflation protection available
- Partial disability benefits
Best for: Professional income protection, Long-term security, High earners
Typically 1.5-3% of income*
Business Overhead Expense
"Keep business running during disability"
Covers fixed business expenses when owner becomes disabled and unable to work.
Key Features:
- Covers fixed business costs
- Rent, utilities, staff salaries
- Short-term coverage (12-24 months)
- Business continuation focus
Best for: Business owners, Professional practices, Small businesses
Based on monthly business expenses*
Traditional Long-Term Care
"Dedicated care coverage"
Comprehensive long-term care insurance covering nursing home, assisted living, and home care.
Key Features:
- Comprehensive care coverage
- Home, community, facility care
- Inflation protection options
- Elimination period choices
Best for: Asset protection, Care planning, Family protection
Age and health dependent*
Life Insurance with LTC
"Death benefit or care benefits"
Permanent life insurance with long-term care rider providing dual benefits.
Key Features:
- Life insurance base policy
- LTC benefits through rider
- Return of premium options
- Flexible benefit utilization
Best for: Dual-purpose planning, Premium guarantee, Estate planning
Higher than traditional LTC*
Annuity with LTC
"Income or care benefits"
Annuity with long-term care benefits providing income or care coverage.
Key Features:
- Annuity base with LTC benefits
- Income or care utilization
- Tax-deferred growth
- Flexible payout options
Best for: Retirement income planning, Care cost protection, Tax efficiency
Minimum deposit requirements*
Dental Insurance
"Oral health coverage"
Comprehensive dental coverage including preventive, basic, and major services.
Key Features:
- Preventive care covered 100%
- Basic and major services
- Network and out-of-network options
- Annual maximums
Best for: Individual and family, Employer groups, Preventive focus
Typically $20-50/month*
Vision Insurance
"Eye care coverage"
Vision coverage for eye exams, glasses, contacts, and corrective procedures.
Key Features:
- Annual eye exams
- Frames and lenses allowance
- Contact lens coverage
- Discounts on procedures
Best for: Families with children, Computer workers, Vision correction needs
Typically $10-25/month*
Accident Insurance
"Coverage for unexpected accidents"
Supplemental coverage that pays benefits directly to you for covered accidents and injuries.
Key Features:
- Direct cash payments for covered accidents
- Emergency room and urgent care benefits
- Fracture and dislocation coverage
- Physical therapy and rehabilitation benefits
Best for: Active individuals, Families with children, Sports participants
Typically $15-40/month*
Critical Illness Insurance
"Financial protection for serious diagnoses"
Lump-sum benefit paid upon diagnosis of covered critical illnesses like cancer, heart attack, or stroke.
Key Features:
- Lump-sum cash benefit upon diagnosis
- Coverage for major critical illnesses
- Use benefits for any purpose
- Additional benefit for spouse and children
Best for: Health-conscious individuals, Family protection, Financial security seekers
Typically $25-75/month*
Hospital Indemnity Insurance
"Daily cash benefits for hospital stays"
Pays a fixed daily benefit for hospital confinement to help cover out-of-pocket medical expenses.
Key Features:
- Fixed daily benefit for hospital stays
- Coverage for inpatient and outpatient procedures
- Intensive care unit benefit multiplier
- No network restrictions
Best for: High-deductible health plan holders, Hospital coverage gaps, Supplemental protection
Typically $20-60/month*
Group Term Life Insurance
"Affordable life insurance for employees"
Employer-sponsored term life insurance providing financial protection for employees and their families.
Key Features:
- Group rates lower than individual coverage
- Simplified underwriting process
- Portable coverage options
- Multiple coverage levels available
Best for: Small to medium businesses, Employee benefit packages, Business owners
Employer-sponsored with employee contributions*
Group Short-Term Disability
"Income protection for workplace injuries"
Group disability coverage providing income replacement for employees unable to work due to injury or illness.
Key Features:
- Percentage of salary replacement
- Short waiting periods
- Group underwriting advantages
- Integration with other benefits
Best for: Employers seeking comprehensive benefits, High-risk occupations, Business owners
Based on payroll and industry risk*
Group Accident Insurance
"Workplace accident protection"
Supplemental group coverage for accidents that occur on or off the job, providing direct cash benefits.
Key Features:
- Covers on and off-the-job accidents
- Direct cash payments to employees
- No network restrictions
- Covers emergency treatment and follow-up care
Best for: Manufacturing businesses, Construction companies, Active workforce employers
Low-cost group rates*
Group Critical Illness
"Group protection for serious diagnoses"
Group critical illness insurance providing lump-sum benefits when employees are diagnosed with covered conditions.
Key Features:
- Lump-sum benefit upon diagnosis
- Coverage for major critical illnesses
- Employee and family coverage options
- Simplified group underwriting
Best for: Employee wellness programs, Comprehensive benefit packages, Business owners
Affordable group premiums*
Group Hospital Indemnity
"Group hospital expense coverage"
Group hospital indemnity providing fixed daily benefits for hospital stays to supplement major medical coverage.
Key Features:
- Fixed daily hospital benefits
- Supplements high-deductible health plans
- Covers inpatient and outpatient procedures
- No network restrictions
Best for: Employers with high-deductible health plans, Cost-conscious benefit packages, Business owners
Group rates based on employee count*
Group Whole Life Insurance
"Permanent life insurance through work"
Group whole life insurance offering permanent coverage with cash value accumulation for employees.
Key Features:
- Permanent life insurance coverage
- Cash value accumulation
- Group rates and simplified underwriting
- Portable coverage options
Best for: Long-term employee retention, Executive benefit packages, Business owners
Premium group permanent coverage*
How Our Product Recommendations Work
From analysis to implementation - your complete guide
Free Analysis
We analyze your specific needs, budget capacity, and goals to recommend the most suitable products from our comprehensive portfolio.
Product Comparison
We compare options from multiple carriers to find the best coverage and value for your situation, presenting clear recommendations.
Implementation
If you choose to move forward, we handle the application process and ongoing service. You pay the same price regardless of where you buy.
Important Compensation Disclosure
Waltoria provides financial analysis through licensed insurance representatives at no cost to you. We receive commissions from insurance companies when clients choose to implement recommended insurance products. Commission rates typically range from 30-90% of first-year premiums and 2-5% of ongoing premiums. You are under no obligation to purchase any products and may implement recommendations through any provider of your choice. Product costs are the same regardless of where you purchase.
Ready to Find Your Perfect Coverage?
Get personalized product recommendations based on your specific needs and budget.
*Rates vary by age, health, coverage amount, and location. Products not available in all states. Subject to underwriting approval. Commission disclosure applies per state requirements. Consult with licensed insurance professional for specific recommendations.