Free Insurance Tools
Insurance Calculators & Resources
Free, no-obligation tools to help you understand your coverage needs and estimate costs.
Life Insurance Needs Calculator
Find how much coverage your family truly needs using the DIME method.
Income & Debt
Children & Education
Final Expenses & Existing Coverage
Your Profile (for cost estimate)
Your Coverage Breakdown
| Income Replacement | |
| Debt Payoff | |
| Education Costs | |
| Final Expenses | |
| Additional Goals | |
| Total Need | |
| Existing Resources | |
| Recommended Coverage |
Estimated monthly cost:
Get My Free Life Insurance Quote →Retirement Income Calculator
See how much monthly income an annuity could generate for your retirement.
Your Retirement Income Projection
Based on 4% assumed annual growth to retirement, then payout rate. Actual rates vary by carrier and product.
Get Annuity Rates for My Situation →ACA Health Insurance Subsidy Estimator
See how much you could save on health insurance through the marketplace.
Your income is below 138% of the Federal Poverty Level. You may be eligible for Connecticut's Medicaid program (HUSKY) at little or no cost.
Your Subsidy Estimate
Recommended plan tier:
Estimates based on 2024 CT benchmark silver plan premiums. Actual amounts vary by plan and ZIP code. Income must be reported on ACA application.
Which Insurance Do You Need?
Answer 7 quick questions and get a personalized insurance recommendation.
Your Top Insurance Recommendation
Get a Free Quote for My Top Pick →Medicare Advantage vs. Medigap Comparison
Side-by-side guide to help you choose the right Medicare coverage.
| Feature | Medicare Advantage (Part C) | Medicare Supplement (Medigap) |
|---|---|---|
| Monthly Premium | $0 – $150/mo (many $0) | $176 – $462/mo (Plan G/N) |
| Part A Deductible | Varies; often $0 in-network | Covered by Plan |
| Part B Deductible | Usually covered | $257/yr (Plan G); $0 after (Plan N) |
| Out-of-Pocket Maximum | $3,300 – $8,850/yr | Near $0 (Plan G) |
| Doctor Choice | Network-restricted (HMO/PPO) | Any Medicare-accepting doctor |
| Referrals Required | Yes (HMO) / No (PPO) | Never |
| Dental / Vision / Hearing | Often included | Not included (buy separately) |
| Prescription Drugs | Usually included (Part D) | Separate Part D plan required |
| Gym Memberships / OTC | Many plans include | Not included |
| Foreign Travel Coverage | Limited / none | 80% of costs (Plans G/N) |
| Part B Excess Charges | N/A in-network | Plan G covers; Plan N does not |
Medicare Advantage is Best For…
- Budget-conscious individuals seeking low or $0 premiums
- Those who want dental/vision/hearing bundled in
- People comfortable with network-based care
- Residents in areas with strong $0-premium plans
Medicare Supplement is Best For…
- Those who want to see any doctor, no referrals
- Frequent travelers or part-year residents
- People with complex health needs (predictable costs)
- Those willing to pay more for maximum flexibility
Our licensed Medicare advisors compare every plan available in your area. Free consultation — no obligation.
Talk to a Medicare Advisor →