Clarifying your Life, Health, and Wealth decisions – simply.
We proudly serve seniors, retirees, caregivers, and anyone feeling overwhelmed by their health and financial protection options. With Clarifying, you get guidance that makes sense—without the jargon.
Final Expense insurance helps your loved ones cover end-of-life costs such as funeral expenses, medical bills, and other final obligations.
Designed for ages 50–85
Smaller benefit amounts ($5,000–$50,000)
Simple applications with no medical exams in many cases
These are whole life plans with guaranteed level premiums for life.
Ease the burden on your family during a difficult time with peace of mind and financial support.
Annuities provide guaranteed income to help you cover expenses throughout retirement. They offer stability and predictability as you plan your financial future.
Guaranteed interest rate: The insurer promises a minimum rate of return, shielding the holder from market volatility.
Principal protection: The original investment is protected from loss, making it appealing to risk-averse investors.
Tax-deferred growth: Earnings grow on a tax-deferred basis until withdrawals begin.
Payout options: Investors can choose from various income options, including lifetime income, period certain, or lump-sum distributions.
Medicare Advantage plans (Part C) combine hospital, medical, and often prescription drug coverage into one plan. Many offer dental, vision, hearing, and wellness perks too.
All-in-one coverage
Often $0 monthly premiums
Extra benefits beyond Original Medicare
People looking for bundled benefits, coordinated care, and potential savings.
Medicare Supplement plans (Medigap) help cover what Original Medicare doesn’t—like copayments, coinsurance, and deductibles.
Hospital and doctor visit costs
Emergency care when traveling
Predictable, reduced out-of-pocket costs
Standardized plans like Plan G, Plan N, and others. We’ll explain the differences.
Those who travel, want flexibility in choosing doctors, or prefer fewer surprise costs.
Ancillary insurance plans offer added peace of mind by covering services that Medicare or major medical plans may not fully include.
Dental Insurance: Routine cleanings, exams, fillings, dentures
Vision Insurance: Eye exams, glasses, contact lenses
Hearing Coverage: Hearing tests, aids, and devices
Hospital Indemnity: These plans ease financial burden if you are diagnosed with cancer, heart attack, stroke, or are hospitalized.
Accident & Critical Illness Plans: Help cover unexpected expenses from injury or serious illness
These plans work alongside your primary health coverage to reduce surprise costs and improve access to everyday care.
We can help you choose the right combination of ancillary products that fit your lifestyle and budget.
Clarifying is committed to making the lives of our customers better
Service
Specialized
Simplicity
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Provide Life, Health, and Wealth solutions for consumers over-the-phone, working with industry-leading carriers, partners, and technologies to improve outcomes
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How much coverage do I need? Most people choose $5,000 to $50,000 in coverage to handle funeral costs, medical bills, and small debts.
Do I have to take a medical exam? In many cases, no medical exam is required. Most policies use simplified underwriting.
What’s the difference between Final Expense and Life Insurance? Final Expense policies have smaller benefit amounts and are easier to qualify for. Life insurance may provide higher coverage for broader needs.
Are annuities safe? Fixed annuities are generally considered safe and are regulated by state insurance departments.
What kind of annuity is best for retirees? It depends on your needs. Fixed annuities offer steady payments, while indexed annuities may offer more growth potential.
When should I start drawing income? Some start immediately with an immediate annuity. Others delay income to maximize monthly payments.
Understand Your Medicare Options
Navigating Medicare doesn’t have to be complicated. At Clarifying, we help you compare Medicare Advantage and Supplement plans so you can choose the right fit for your health needs and budget.
What is Medicare?
Medicare is federal health insurance for people aged 65+ or with certain disabilities. It includes:
Part A: Hospital coverage
Part B: Medical coverage
Part C: Medicare Advantage
Part D: Prescription drug coverage
What’s the difference between Medicare Advantage and Medigap? Medicare Advantage is an all-in-one plan that may include drug, dental, and vision coverage. Medigap works with Original Medicare to cover out-of-pocket costs like copays and deductibles.
Can I keep my doctor with Medicare Advantage? It depends on the plan. Medicare Advantage plans typically have networks, so you’ll want to check if your doctor is included.
When can I enroll? You can enroll during your Initial Enrollment Period (when you turn 65) or the Annual Enrollment Period (October 15 to December 7).
Do I need dental and vision if I have Medicare? Yes, because Original Medicare doesn’t cover most dental or vision services. Ancillary plans fill those gaps.
Can I add ancillary coverage anytime? Usually yes, especially outside of Medicare timelines. Enrollment rules may vary by carrier.
How do hospital indemnity plans work? These plans pay you a cash benefit when you’re hospitalized, helping cover expenses your insurance doesn’t.
How does Clarifying make money? We’re paid by the insurance carriers when someone enrolls through us. Our guidance is always free to the customer.
Are your services really free? Yes. You’ll never pay for our help. We’re here to simplify—not sell.
Can I speak with someone directly? Absolutely. Call us anytime to talk to a licensed advisor.
Clarifying.com is a non-government website owned and operated by Clarifying Marketing Group, LLC, a licensed health insurance agency doing business as Clarifying. Clarifying is not affiliated with or endorsed by the U.S. government or Healthcare.gov. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Not all products are available in all states. 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 of your options. By using this site, you acknowledge that you have read and agree to our Privacy Policy and Terms of Use.
