Before You Quote U65 Health, Start Here
When U65 health breaks down, agents lose deals and clients lose care. Our hand selected plans fix both — with protection clients can use and income agents can count on.
Before You Quote U65 Health, Start Here
When U65 health breaks down, agents lose deals and clients lose care. Our hand selected plans fix both — with protection clients can use and income agents can count on.
Agent Nucleus, in partnership with:
Agent Nucleus, in partnership with:
Meanwhile, Millions Are Being Priced Out of Coverage
The market has shifted. Under 65 clients are getting squeezed by rising premiums, tighter networks, and tougher eligibility. Top producers are responding with smarter bundles that close gaps, meet compliance, and build steady, year-round income.
Meanwhile, Millions Are Being Priced Out of Coverage
The market has shifted. Under 65 clients are getting squeezed by rising premiums, tighter networks, and tougher eligibility. Top producers are responding with smarter bundles that close gaps, meet compliance, and build steady, year-round income.
When the System Tightens, You Don’t Step Back
You lean in. You adapt. You find a better way to protect your clients—and your business.
CHO ACA Alternative
Guarantee Issue: No Pre-Existing Conditions or Waiting Periods
No Copay Wellness Visits
Unlimited Low Copay Office & Specialist visits
Urgent Care, Labs and X-Rays
Prescription coverage
Virtual Care – No Cost 24/7 Telemedicine
Discounts on Dental, Vision, Imaging, Labs, and Medical Supplies
Optional Indemnity
Optional add-ons: Delta Dental & Vision Insurance
A Game Changer for My Clients
"I have specialized in employee benefits for over 10 years, and these medical plans have been a valuable asset for my agency and clients. The CHO plans let my clients offer affordable, quality benefits that truly meet their needs."
Cory Matt
CEO, The Livan Agency
Give Your Clients Better Options
Add plans that solve real problems, simplify healthcare, and provide peace of mind for your under-65 clients.
Give Your Clients Better Options
Add plans that solve real problems, simplify healthcare, and provide peace of mind for your under-65 clients.
Prevent Life Policy Lapse Losses
Many in-force policies have secondary market value your clients never realize—often 4–8x higher than surrender value.
Identify At-Risk Policies
Policies nearing lapse or surrender often go unreviewed. Flag cases where premiums are rising, coverage is no longer aligned, or clients are considering cancellation.
Determine Market Eligibility
Not every policy qualifies, but many do. Age, health changes, policy type, and face value all impact whether a secondary market exists.
Quantify Potential Value
Instead of assuming zero outcome, evaluate what the policy could be worth. In some cases, value exceeds surrender by a meaningful margin.
Compare Client Options
Keep, surrender, or sell, each path has tradeoffs. A structured comparison ensures decisions are based on outcomes, not default behavior.
Create Liquidity
When appropriate, policies can be converted into cash to support healthcare costs, retirement needs, or other financial priorities.
Integrate Into Planning
Position life insurance as a managed asset. Periodic reviews help ensure policies are either performing, or repurposed efficiently.
