You built your business without a benefits package. That doesn't mean you have to go without coverage. We make it simple — and surprisingly affordable — to get the health and life insurance you need.
📞 Call Jim Saar Directly: (619) 361-1825When you work for yourself, nobody hands you a benefits package. No HR department. No open enrollment email. Just you — trying to navigate a system that wasn't designed to make it easy.
We work specifically with self-employed professionals, contractors, and entrepreneurs who need real coverage but don't have an employer doing the heavy lifting. We shop the market, explain your options in plain English, and get you covered — fast.
No jargon. No pressure. Just the right plan at the right price.
📞 (619) 361-1825 — Jim Saar answers.Two focused solutions. One trusted partner. Choose the coverage that fits your life — or call Jim and he'll help you decide.
Comprehensive, affordable health coverage tailored to your budget and health needs. No employer required. We shop dozens of carriers to find your best rate — and check if you qualify for subsidies that could significantly lower your premium.
Protect your family's future with term life insurance that is simple, fast, and surprisingly affordable. No medical exam required in most cases. Coverage from $20K to $2M — apply in minutes and get covered in days, not weeks.
Jim Saar is a real licensed insurance professional with 40+ years of experience and a direct phone number — not a comparison website, not a lead-gen platform, not a chatbot. When you call, Jim answers.
Call or text (619) 361-1825 and Jim Saar answers — not a receptionist, not a call center, not an automated system. You get the advisor, not the machine.
Jim has worked with thousands of clients across the country over four decades. He knows the insurance market inside out — and he knows what self-employed professionals actually need.
Jim's philosophy is that the right plan sells itself when you fully understand it. You will never feel pushed, rushed, or sold to. Just clear information and honest guidance.
Jim works with multiple top-rated carriers to find the best rates and coverage for your specific situation — not just the products one company happens to offer.
We specialize in one specific type of client — and if you fit this profile, getting the right coverage is simpler than you think.
Freelancers, consultants, and independent contractors who don't have employer-sponsored benefits and need to find coverage on their own.
Business owners running lean operations who need real coverage without the complexity of group plans or the expense of going it alone on the open market.
Households where one or both breadwinners are self-employed and need comprehensive health and life protection without an employer plan.
Anyone currently paying too much for coverage — or who hasn't reviewed their plan in the last 12 months. Rates change. Better options exist.
Most self-employed professionals quietly worry about the same things. You are not alone — and there are real, affordable solutions that address every one of these concerns.
Without employer coverage, a single hospitalization can cost tens of thousands of dollars. The right health plan caps your out-of-pocket exposure and protects your savings.
When you're self-employed, there's no paid sick leave. The right coverage means a health issue doesn't become a financial crisis on top of a medical one.
If you're the primary earner and something happens to you, your family needs income to continue. Term life insurance is the most affordable way to protect them — and most people are surprised how low the premiums are.
Most self-employed people either overpay because they don't know what's available, or go without because they assume it's too expensive. We shop the market so you know you're getting the best rate available.
Schedule a free 30-minute consultation with Jim. Answer a few quick questions and he'll tell you exactly which coverage fits your situation — with no pressure and no obligation.
📅 Schedule My Free Consultation 📞 Or call Jim Saar directly: (619) 361-1825 — he answers.30 minutes. No cost. No obligation. Available Monday–Friday.