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Individual Planning

Customized Insurance Planning for various life insurance needs, disability income, retirement income, safe money solutions and long-term care insurance by implementing our 21 Unseen Potholes Process.

Understand it before you get it.

There are plenty companies that can sell you insurance products, but how may will help you understand what you may need and why BEFORE you buy it? Wellguard Insurance Solutions focuses on educating the consumer so they can better understand the differences in products, why a particular solution may make sense and which may not be the right options for you.

As an independent insurance agency, we are not restricted to any specific company or product. To understand what route is best for you, schedule a consultation where we can find out.


Disability Income

(DI) Insurance

Like most people, you may have a range of financial obligations you’re responsible for, such as rent or a mortgage, retirement savings and everyday expenses.

Long-term Care

(LTC) Insurance

The cost of long-term care can be expensive, and the costs generally continue to rise.  This is why it’s so important to plan for care before you might need it and we offer several options to help you get started.

Fixed Annuites

Fixed annuities may help your savings grow faster because you don’t pay income taxes on the money in your contract until you take a withdrawal. Fixed annuities also are unique in that they can provide guaranteed lifetime income.


Learn more about which one may be best for you.


If you want an affordable option to protect your loved ones, term life insurance may be for you. Term life provides insurance for a “temporary need” and limited period of time, such as 10 or 20 years. With this approach, term life allows you to meet your life insurance needs at a price that fits your budget, so you can feel confident that you’re prepared.


When you want to provide financial security to those who matter most to you, life insurance is a good place to start. It can protect your loved ones by providing a death benefit, so they have one less thing to worry about during difficult times. Some policies also build cash value you can use if you need it. We offer multiple types of life insurance to match your needs and budget, so you can have the confidence of knowing you’re covered.


Your life changes, so you need options that can help you keep up. Universal life insurance provides permanent protection with the flexibility to match your needs. With universal life, you can choose a policy that allows for flexible premiums and the ability to link your cash value performance to an investment index, such as the Standard & Poor 500, with NO risk of your principal and accumulated interest. You may also select a guaranteed death benefit option. That way, you can give your loved ones the financial security they deserve — with a policy that works for you.

​*We DO NOT offer Variable Life Insurance where your principal and interest can be at risk.

Legal and Identity Theft Protection Plan

Life is unpredictable. You never know what's around the corner. LegalShield gives you the confidence of knowing whatever comes your way, your provider law firm is there when you need it. Putting a Big law firm to work for you is easy…without the Big bill.

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