Clarifying your Life, Health, and Wealth decisions – simply.

What We Do

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Tell Us What You Need

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. 

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We Find Plans That Make Sense

  • Final Expense Insurance
  • Annuities
  • Medicare Advantage
  • Medicare Supplement
  • Dental, Vision, Hearing, Hospital Indemnity, Accident & Critical Illness
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Enroll Without The Stress

  • Licensed experts ready to help
  • Trusted national carriers
  • Clear, simple plan explanations
  • No-cost consultations

Final Expense

Final Expense Coverage You Can Count On 

Final Expense insurance helps your loved ones cover end-of-life costs such as funeral expenses, medical bills, and other final obligations. 

How It Works 

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.

Why It Matters 

Ease the burden on your family during a difficult time with peace of mind and financial support. 

Annuities

Retirement Income That’s Built to Last 

Annuities provide guaranteed income to help you cover expenses throughout retirement. They offer stability and predictability as you plan your financial future. 

Benefits 

  • 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

Medicare Advantage Plans Made Simple 

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. 

Key Benefits 

All-in-one coverage 
Often $0 monthly premiums 
Extra benefits beyond Original Medicare 

Who It’s For 

People looking for bundled benefits, coordinated care, and potential savings. 

Medicare Supplement

Medicare Supplement Options 

Medicare Supplement plans (Medigap) help cover what Original Medicare doesn’t—like copayments, coinsurance, and deductibles. 

What Medigap Covers 

Hospital and doctor visit costs 

Emergency care when traveling 

Predictable, reduced out-of-pocket costs 

Plan Types 

Standardized plans like Plan G, Plan N, and others. We’ll explain the differences. 

Best For 

Those who travel, want flexibility in choosing doctors, or prefer fewer surprise costs. 

Additional Products

More Ways to Protect Your Health and Budget 

Ancillary insurance plans offer added peace of mind by covering services that Medicare or major medical plans may not fully include. 

What Are Ancillary Products? 

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 

Why They Matter 

These plans work alongside your primary health coverage to reduce surprise costs and improve access to everyday care. 

Let Clarifying Help 

We can help you choose the right combination of ancillary products that fit your lifestyle and budget. 

About us

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Mission

Clarifying is committed to making the lives of our customers better

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Values

Service
Specialized
Simplicity
Satisfaction
Sincerity

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Strategy

Provide Life, Health, and Wealth solutions for consumers over-the-phone, working with industry-leading carriers, partners, and technologies to improve outcomes

FAQs

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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. 

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