Frequently Asked Questions

We know insurance can feel complicated — that’s why we’ve gathered some of the most common questions families ask us. Click below to expand each answer, and remember: if you don’t see your question here, we’re only a call away.

General Insurance

  • Insurance protects your health, family, and finances from life’s unexpected storms. It’s peace of mind, not just paperwork.

  • It depends on your age, family situation, and goals. We guide you step-by-step to match coverage with your life.

  • Not always — many plans are affordable and tailored to your budget. The key is finding the right fit, not the highest cost.

Medicare

  • Most people first enroll at age 65 during their Initial Enrollment Period (IEP). There are also Special Enrollment Periods based on your situation.

  • Medicare Advantage combines hospital & doctor coverage into one plan. Medigap helps cover out-of-pocket costs Original Medicare doesn’t pay.

  • Only if you choose a plan with Part D coverage or a Medicare Advantage plan that includes prescriptions.

Life Insurance

  • It ensures your loved ones are financially secure if something happens to you — from paying bills to leaving a legacy.

  • A good starting point is 10–12x your annual income, but we customize the amount based on your family and goals.

  • Most people are surprised by how affordable it is — especially when starting young and healthy.

Supplemental Coverage

  • It provides cash benefits for accidents, hospital stays, critical illnesses, cancer treatments, or even dental and vision care.

  • Supplemental fills the “gaps” — paying you directly for costs traditional health insurance doesn’t cover.

  • Yes — you choose what matters most (accident, hospital, critical illness, dental/vision, etc.) and we build around your needs.

Working With Us

  • $0. Our services are completely free. We’re licensed agents, compensated by the carriers — never by you.

  • We don’t just sell policies. We walk beside you with clarity, care, and faith to guide you through life’s storms.

  • WaterWalkers Insurance is licensed in 17 states across the U.S. — including Connecticut, Texas, Arizona, North Carolina, Georgia, Florida, and many more. Our reach is growing so we can serve families nationwide.