We are proud to share that Real Innovation now offers health insurance
If you have been working with Real Innovation for life insurance, you already know what we are about. Real answers. No pressure. Coverage that actually fits your life. Starting now, our clients have direct access to private market health insurance options, including guaranteed issue plans with no health questions required. That means more people can get covered, more easily, with a team they already know and trust walking them through every step.
Why we made this move
Life insurance was always just the beginning. The reality is that the same people who need life insurance also need health coverage, and for a lot of them, finding that coverage has not been easy.
Missed open enrollment. Left a job and lost benefits. Self-employed with no group plan. Pre-existing conditions that made traditional plans feel out of reach. These are not edge cases. They are the situations millions of Americans find themselves in every year, and most of them have no idea how many options are actually available to them.
We built Real Innovation because buying insurance should not feel like a second job. That belief does not stop at life insurance. It applies to every type of coverage your family needs. When we saw how many of our own clients were struggling to find reliable health coverage, expanding into this space was not a business decision. It was the obvious next step.
We have partnered with a company that has been in the insurance industry for over 90 years to make sure that when we say we can help, we mean it. You get the stability and track record of an established carrier combined with the simple, modern experience Real Innovation has always delivered.
What is now available
Through Real Innovation, you can now access a full suite of health and supplemental insurance options. Here is a breakdown of what is available:
Private market health insurance with guaranteed issue options and no health questions required. This is coverage for a wide range of medical needs through established national carriers, available year-round with no open enrollment window required.
Dental, vision, and hearing coverage with multiple plan options to protect your health. Bundle options are available for those aged 55 and older, and no waiting period options are available on select plans.
Accident, cancer, and heart and stroke supplemental policies that pay cash benefits directly to you. These plans are designed to cover what major medical often does not. Benefits are paid on top of any other coverage you carry.
Hospital expense coverage with guaranteed renewability so you never have to reapply year to year. Benefits are paid directly to you regardless of other coverage you may have, with options for both inpatient and outpatient care.
All of it comes with the same pressure-free, consultative experience Real Innovation has always been built on. No upsells. No hard sales tactics. Just a licensed agent who listens and finds the right fit for your situation.
What guaranteed issue actually means
For anyone who has ever been told no by an insurance company, guaranteed issue is worth understanding. It means that if you meet the age requirements, you are covered. No medical exam. No health questionnaire. No one reviewing your history before deciding whether you qualify.
A lot of people assume that a previous denial from one company means every company will say the same thing. That is not how it works. Different carriers have different underwriting guidelines, and guaranteed issue plans exist specifically for people who have struggled to find coverage through traditional channels. The answer you got from one company is not the final word. Now that coverage is available through a team you already know.
Who this is for
If you are self-employed or running your own business and navigating health coverage without the benefit of an employer plan, this is for you. If you recently left a job and lost your benefits, this is for you. If you have a pre-existing condition that made traditional coverage feel out of reach, this is for you. If you simply want to explore what is available outside of what your employer offers, this is for you too. Health coverage should not feel like something only certain people get to have. That is exactly the problem we set out to solve.
How to get started
The process is simple. Answer a few questions and our team will walk you through what is available for your specific situation. Most people are surprised by how straightforward it actually is. If you have been meaning to look into health coverage, or you know someone who has been putting it off, now is a good time to have that conversation. We are here when you are ready