Health, Life, & Protection Solutions
for Indivduals & Families
Whether you’re working, self-employed, between jobs, or managing coverage for your family, we offer personalized insurance solutions to protect your health, income, and future. As an independent broker, we help you compare options across multiple carriers with no cost or obligation.
Solutions for Individuals, Families, & Small Businesses
Independent Brokers - Here for YOU
By working with many top insurance companies, we can find the right fit based on your needs, health, age, and budget. Whether it’s Medicare, life, or health coverage, we don’t favor one company over another—we favor you.
No Cost to Meet | No Pressure to Enroll
Your Insurance Source
Life, Health, Medicare, Dental, Vision, Cancer, Critical Illness, Aging Care, Final Planning & more
Access to All Your Options
We review all plan options and suggest what makes the best sense for your needs and your budget.
Personal Insurance Broker
Phones are always open to take any questions or you might have during your coverage period.
Types of Life Insurance
Term Life Insurance
Low-cost, high-coverage protection for 10, 20, or 30 years. Perfect for young families, mortgage protection, and income replacement.
Whole Life Insurance
Permanent coverage that builds cash value and guarantees lifetime protection. Often used for legacy planning and final expenses.
Universal Life (UL) & Indexed UL
Flexible permanent coverage with potential to grow cash value based on market performance (without investment risk).
Living Benefits Life Insurance
Access part of your death benefit while living if diagnosed with a critical illness, chronic illness, or terminal condition.
Accidental Death Policies
Affordable coverage for accidental injuries and deaths. Can be layered with other life insurance for extra protection.
Types of Health Insurance
ACA Marketplace Plans
Affordable Care Act (Obamacare) plans with subsidies based on income and household size. We help you qualify for the best rates and coverage.
Private & Off-Exchange Plans
Ideal for higher-income earners or those who don’t qualify for ACA subsidies but want quality coverage and flexible networks.
Short-Term Medical Plans
Budget-friendly coverage for temporary gaps — like job transitions, open enrollment wait periods, or early retirement.
Healthshare Plans
Faith-based or non-traditional alternatives to insurance with lower monthly costs. May be a fit for healthy individuals and families.
GAP Coverage & Supplemental Health
Add-on plans to reduce out-of-pocket costs from high deductibles. Includes accident, hospital indemnity, and critical illness.
How Does This Work?
1. Book Your Initial Review
Appointments held via phone, Zoom, in- office, or the comfort of your home.
2. Review Your Options
We'll go over the plans that best fit your unique situation, needs, and budget.
3. Apply for Coverage
Choose and apply for the coverage that protects what matters most.
👨👩👧👦 INSURANCE SOLUTIONS FOR FAMILIES
Protect What Matters Most
When you’re raising a family, you’re not just thinking about today — you’re planning for tomorrow. The right insurance coverage helps ensure your family stays protected, even when life throws the unexpected your way.
🏠 Mortgage Protection Life Insurance
If something were to happen to you or your partner, life insurance can help pay off the mortgage so your family can stay in their home — no added stress, no surprise bills.
Example: A healthy 35-year-old mom with a $250,000 mortgage can get a 20-year term policy for less than $25/month — enough to cover the home and leave extra for child care or college expenses.
💸 Income Replacement
Your paycheck keeps the household running. Life and disability insurance can provide income for your family if you’re suddenly unable to work — due to illness, injury, or loss of life.
Example: A dad earning $60,000/year chooses a $500,000 term policy with living benefits — giving his family a financial cushion if he’s diagnosed with cancer or passes unexpectedly.
👶 Child Protection & College Planning
Permanent Life Insurance for kids locks in low rates and builds cash value for future education or emergencies. Bonus: it can also guarantee future insurability.
Example: A $25/month policy for a newborn can grow into thousands in cash value by age 18, while guaranteeing lifelong coverage.
📊 Not Sure How Much You Need?
Use our free calculator to estimate your family's insurance needs based on income, debts, education costs, and more.
👉 Click here to try the Life Insurance Calculator
Prefer to DIY?
Click the icons below to Shop, Quote, & Enroll
Prefer a Personalized Emailed Quote? Fill out the Form Below
Getting the Right Coverage Can Be Difficult
We know insurance can feel overwhelming. That's why we take the time to educate, so you can make confident decisions based on your unique situtation
Which company is the best?
Whether reviewing life or health insurance, the best company is based on your health, budget, & needs. We'll help you compare and decide.
What kind of insurance do I need?
Everyone's situation is different. We'll analyze your goals and guide you to the plan that best protects what matters most.
What if I have insurance through my employer?
Employer coverage is fantastic - until it ends. We will go over the pros, cons, and options when transitioning
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Copyright Insurance with Kendra at ClarVia Benefits Group LLC, Partner of SBI Benefits Powered by Spark Advisors 2025. All Rights Reserved.
Kendra Gray is an independent licensed agency owner, partnered with SBI Benefits powered by Spark Advisors and Integrity Marketing Group. All product names, logos, and brands are property of their respective owners. Not affiliated with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800- MEDICARE to get information on all your options. If you have any additional questions please contact us at 725-777-2338. Any redistribution or reproduction of part or all of the contents in any form is prohibited. You may not excerpt with our express written permission, distribute or or commercially exploit the contents in this site. Medicare has neither reviewed nor endorsed this information.