Secure Your Future
Protecting Your Loved Ones with Reliable
Life & Health Insurance Solutions
About Us
At 3:16 Life & Health Solutions, we are dedicated to providing peace of mind by offering comprehensive life insurance and health insurance coverage tailored to your unique needs.
Coverage Offerings
Discover the various options available to protect you and the ones you love. From life insurance, to ACA health insurance for those under 65, to Medicare - we have you covered.
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events, as well as Living Benefits.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Fixed Annuities & IRAs (Retirement Planning)
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Medicare
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Health Insurance -
ACA (Affordable Care Act)
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Frequently Asked Questions
Common Questions Answered for your convenience.
Do I really need life insurance if I already have coverage through my job?
Employer-provided life insurance is a blessing, but it is often limited and usually ends if you change or leave your job. At 3:16 Life & Health Solutions, we help you secure personal coverage that stays with you for the long haul. This ensures your family is protected no matter where life or work takes you.
Is life insurance affordable for everyday families?
Yes. Many people are surprised to learn how affordable life insurance can be. Depending on your age and health, coverage may cost less than a streaming subscription each month. Our mission at 3:16 Life & Health Solutions is to help families find protection that fits their budget without sacrificing peace of mind.
Can you help me find health insurance if I am self-employed or uninsured?
Absolutely. If you are self-employed, between jobs, or your employer coverage is too costly, we can help you explore ACA health plan options. Many individuals and families qualify for financial assistance that lowers monthly premiums. We walk you through the process step by step so you are not navigating healthcare alone.
I am turning 65. How do I know which Medicare option is right for me?
Medicare choices can feel overwhelming. We provide personalized Medicare reviews to help you understand the difference between Medicare Advantage and Medicare Supplement plans, and how each may fit your healthcare needs and budget. At 3:16 Life & Health Solutions, our goal is to educate you clearly so you can make a confident, informed decision.
How do annuities and IRAs fit into my retirement plan?
Retirement planning is about stewardship and creating long-term security. IRAs can help you grow your savings with tax advantages, while annuities may offer guaranteed income in retirement. We take time to understand your goals and help you build a strategy designed to provide stability, confidence, and peace of mind for the future.
Why work with 3:16 Life & Health Solutions instead of buying a policy online?
Buying insurance is not just about choosing a product. It is about protecting your people and your future. At 3:16 Life & Health Solutions, you receive personalized guidance from a licensed professional who compares options across multiple carriers, explains your choices in plain language, and helps you avoid coverage gaps. You are not just a policy number here. You are family.