Frequently Asked Questions

Vantage Insurance Holdings offers a comprehensive range of insurance products including Medicare Supplement and Advantage plans, life insurance, Indexed Universal Life (IUL) policies, annuities, health and ACA marketplace plans, final expense insurance, life settlements, and dental, vision, and hearing coverage. We work with 8+ top-rated carriers to find the best fit for your needs.

Getting started is simple. Call us at (561) 210-0301 or fill out our contact form to schedule a free, no-obligation consultation. Matthew Vallier will personally review your situation, explain your options in plain English, and help you choose the coverage that fits your budget and needs. There is absolutely no pressure to buy.

No, all consultations at Vantage Insurance Holdings are completely free with no obligation. As an independent agency, we are compensated by the insurance carriers when you enroll in a plan — never by you directly. This means our advice is always in your best interest, and you pay the same premium whether you use an agent or go direct.

We are headquartered in Coral Springs, Florida and serve clients throughout South Florida including Boca Raton, Fort Lauderdale, Pompano Beach, Deerfield Beach, Parkland, Coconut Creek, Margate, Tamarac, and Sunrise. We also assist clients across the state of Florida and can help with certain products nationwide.

Unlike captive agents who can only sell one company's products, Vantage Insurance Holdings is a fully independent agency representing 8+ top-rated carriers including Humana, Cigna, Ethos Life, and Americo. This means we shop the market for you and find the best coverage at the best price. Matthew Vallier provides personalized, one-on-one service — you will never be handed off to a call center.

Medicare Supplement (Medigap) plans work alongside Original Medicare to cover out-of-pocket costs like copays, coinsurance, and deductibles. You can see any doctor who accepts Medicare. Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes extra benefits like dental and vision, but typically requires using in-network providers. Each has pros and cons depending on your health needs and budget.

Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after your birthday month — a 7-month window. Medicare Advantage and Part D plans also have an Annual Enrollment Period from October 15 to December 7 each year. Special Enrollment Periods may apply if you have a qualifying life event such as moving or losing employer coverage. Contact us to make sure you do not miss your window.

No, you cannot have both a Medicare Supplement and a Medicare Advantage plan at the same time. They are two different approaches to covering what Original Medicare does not pay. If you currently have a Medicare Advantage plan and are considering switching to a Supplement, there are specific enrollment windows and health underwriting requirements to consider. We can walk you through your options.

Medicare Part D covers prescription drug costs. Each Part D plan has its own formulary — a list of covered medications organized into tiers with different copay amounts. Plans vary significantly in which drugs they cover and what you pay, which is why it is important to compare plans based on your specific medications. We can run a free drug cost analysis to find the plan that covers your prescriptions at the lowest total cost.

Term life insurance provides coverage for a specific period (10, 20, or 30 years) and is generally the most affordable option. Whole life insurance covers you for your entire lifetime and builds cash value over time, but costs significantly more. Term is ideal for covering temporary needs like a mortgage or raising children, while whole life can serve as a long-term financial planning tool.

A common guideline is 10 to 15 times your annual income, but the right amount depends on your specific situation. We consider factors like your outstanding debts, mortgage balance, number of dependents, future education costs, and your spouse's income. During your free consultation, we will calculate a personalized recommendation so you are neither over-insured nor under-insured.

Yes, many people with pre-existing conditions can still qualify for life insurance. Options range from fully underwritten policies with competitive rates (if your condition is well-managed) to guaranteed issue policies that require no medical exam or health questions. As an independent agency, we work with multiple carriers and know which ones are most favorable for specific health conditions.

An Indexed Universal Life policy is a type of permanent life insurance that builds cash value based on the performance of a stock market index like the S&P 500. Your cash value participates in market gains up to a cap rate, but is protected from market losses with a guaranteed floor (typically 0%). IULs offer flexible premiums, tax-advantaged growth, and the ability to access cash value through policy loans.

An annuity is a contract with an insurance company that provides guaranteed income, either immediately or at a future date. You make a lump-sum payment or series of payments, and the insurer pays you back in regular installments. Fixed annuities offer guaranteed interest rates, while indexed annuities tie returns to market performance with downside protection. Annuities are popular for retirement income planning because they can provide income you cannot outlive.

IULs carry less risk than directly investing in the stock market because they include a floor that protects your cash value from market losses — your account value will never decrease due to index performance. However, they do have cap rates that limit your upside gains, and they involve fees and charges that must be understood. An IUL is best suited for people seeking long-term, tax-advantaged growth with downside protection. We will walk you through all the details so you can make an informed decision.

A life settlement is the sale of an existing life insurance policy to a third-party buyer for a lump-sum cash payment that exceeds the policy's surrender value but is less than the death benefit. This option is available to policy owners who no longer need or can afford their coverage. Life settlements can provide significant cash value from a policy that might otherwise lapse or be surrendered for a fraction of its worth.

Life settlement eligibility generally requires the policy owner to be 65 years or older with a life insurance policy that has a face value of $100,000 or more. Policies that have been in force for at least 2 years are typically eligible. Health changes since the policy was issued can actually increase the settlement value. We can provide a free, confidential evaluation to determine if your policy qualifies and estimate its market value.

The life settlement process typically takes 60 to 120 days from start to finish. This includes gathering medical records, obtaining policy valuations from multiple buyers, reviewing offers, and completing the legal transfer. We handle all the paperwork and negotiations on your behalf to ensure you receive the highest possible offer for your policy. Some cases may close faster depending on the complexity.

The Affordable Care Act (ACA) open enrollment period typically runs from November 1 through January 15 for coverage beginning the following year. If you experience a qualifying life event such as marriage, birth of a child, job loss, or moving to a new area, you may qualify for a Special Enrollment Period outside of open enrollment. We can help you navigate the marketplace and find plans that qualify for premium subsidies based on your income.

Yes, we offer standalone dental, vision, and hearing plans for individuals and families. These plans can supplement your existing health or Medicare coverage to help cover routine exams, cleanings, eyeglasses, contacts, hearing aids, and more. Many of our clients find that adding these plans provides significant savings compared to paying out-of-pocket, especially for hearing aids which can cost thousands without coverage.

Absolutely. We help individuals, couples, and families find the right health insurance coverage through the ACA marketplace, private plans, and supplemental products. Whether you need coverage for a growing family, a self-employed household, or a family member aging into Medicare, we can coordinate coverage across multiple products to make sure everyone is protected without overpaying.