Our Services
Insurance & Annuity Products We Offer
Lazy Automated provides a focused portfolio of health, life, and retirement income products. Every plan we recommend is explained in plain language and matched to your specific needs and budget.
Individual & Family Health Insurance
Comprehensive medical coverage for you and your household, on or off the ACA Marketplace.
- ACA Marketplace plans with subsidy (premium tax credit) estimation
- Private off-exchange plans for those outside Open Enrollment
- Catastrophic and HMO/PPO network comparisons
- Special Enrollment Period guidance for life events
Group Health Insurance
Employer-sponsored health benefits for small and growing businesses.
- Small group plans (SHOP and off-exchange) for 1–50 employees
- Dental, vision, and supplemental benefit add-ons
- Employer contribution strategy and cost modeling
- Annual renewal review and carrier benchmarking
Life Insurance
Income protection and legacy planning for the people who depend on you.
- Term life coverage for fixed periods (10, 20, or 30 years)
- Whole life policies with level premiums and cash value
- Final expense and burial insurance
- Coverage amounts tailored to income replacement needs
Annuities
Guaranteed income products that help protect and stabilize retirement savings.
- Fixed annuities with guaranteed interest rates
- Indexed annuities linked to market performance with downside protection
- Lifetime income payout options
- Tax-deferred growth strategies for retirement
Medicare Plans
Help navigating Medicare options before and during Annual Enrollment.
- Medicare Advantage (Part C) plan comparisons
- Medicare Supplement (Medigap) policies
- Medicare Part D prescription drug coverage
- Initial Enrollment and Annual Enrollment Period support
Supplemental & Ancillary Coverage
Additional protection that fills gaps left by major medical plans.
- Accident and critical illness policies
- Hospital indemnity and short-term care coverage
- Dental and vision standalone plans
- Disability income insurance
Common Questions
Good to Know
- Is there a cost to get a quote?
- No. Comparing plans and receiving a quote from our agency is free. Agents are compensated by the insurance carriers, not by you.
- Which carriers do you work with?
- We are appointed with multiple A-rated national and regional insurance carriers. This lets us compare options rather than steer you toward a single company.
- Do you help after I enroll?
- Yes. We assist with claims questions, benefit usage, and annual renewals — and we revisit your coverage when life changes such as marriage, a new job, or relocation.
Not Sure Which Plan Fits?
Tell us about your situation and a licensed agent will help you compare your options at no cost.
Request a Free Quote