Optavise Insurance Services
Comprehensive Product Directory

Explore All 24+ Insurance Lines

Compare level premiums, living benefit riders, and state availability matrices across life, health, Medicare, and commercial lines with zero agent markups.

Filter Category:
Term Life Insurance
Term Life InsuranceMost Popular for FamiliesStarting at $18/mo

Pure financial protection for 10, 15, 20, 25, or 30 years with guaranteed level death benefits and zero rate increases.

Details →
Whole Life Insurance
Whole Life InsuranceGuaranteed Cash ValueStarting at $42/mo

Permanent lifetime insurance with guaranteed cash value accumulation, level death benefit, and potential annual dividend growth.

Details →
Universal Life Insurance
Universal Life InsuranceFlexible PremiumsStarting at $55/mo

Flexible permanent coverage allowing you to adjust monthly premium payments and death benefit amounts as your life circumstances evolve.

Details →
Indexed Universal Life (IUL)
Indexed Universal Life (IUL)0% Downside Floor + UpsideStarting at $75/mo

High-growth permanent life insurance with cash values linked to market indices (e.g. S&P 500) with a 0% guaranteed downside floor protection.

Details →
Final Expense & Burial Insurance
Final Expense & Burial InsuranceGuaranteed Issue / No ExamStarting at $22/mo

Affordable whole life coverage specifically designed for seniors to cover burial, funeral, cremation, and remaining medical bills.

Details →
Children Growth & Savings Plans
Children Growth & Savings PlansCollege & Lifetime GiftStarting at $15/mo

A lifelong financial gift establishing permanent coverage, cash value accumulation, and guaranteed insurability for your child or grandchild.

Details →
Medicare Supplement (Medigap)
Medicare Supplement (Medigap)Fill 100% Medicare GapsStarting at $85/mo

Eliminate out-of-pocket medical bills by covering Medicare Part A and B deductibles, 20% coinsurance, and hospital copays nationwide.

Details →
Medicare Advantage (Part C)
Medicare Advantage (Part C)$0 Monthly Premium OptionsStarting at $0/mo

All-in-one bundled Medicare coverage replacing Original Medicare with added prescription drug, dental, vision, hearing, and fitness benefits.

Details →
Medicare Part D (Prescription Drug Plans)
Medicare Part D (Prescription Drug Plans)Lower Rx Medication CostsStarting at $12/mo

Stand-alone prescription drug plans designed to pair with Original Medicare and Medigap to minimize your copays on generic and brand-name drugs.

Details →
Senior Comprehensive Health Packages
Senior Comprehensive Health PackagesTailored for 60+Starting at $45/mo

Complete wellness and indemnity packages crafted for seniors, combining outpatient dental, hearing, vision, and critical recovery care.

Details →
Long Term Care (LTC) & Asset Protection
Long Term Care (LTC) & Asset ProtectionRetirement Asset DefenseStarting at $75/mo

Shield your life savings from catastrophic nursing home, memory care, assisted living, and in-home caregiver costs.

Details →
Fixed & Indexed Annuities
Fixed & Indexed AnnuitiesGuaranteed Lifetime IncomeStarting at $100/mo

Tax-deferred retirement contracts offering guaranteed principal preservation, competitive interest crediting, and lifetime income you can never outlive.

Details →
Individual & Family Health Insurance
Individual & Family Health InsuranceACA Comprehensive CoverageStarting at $150/mo

Comprehensive ACA-compliant health insurance plans with top doctor networks, preventive wellness, prescription benefits, and premium subsidies.

Details →
Critical Illness Shield
Critical Illness ShieldLump-Sum Direct CashStarting at $24/mo

Receive a tax-free lump-sum cash payment of $25,000 to $100,000+ upon diagnosis of covered heart attack, stroke, cancer, or major organ failure.

Details →
Cancer Protection Plans
Cancer Protection PlansTargeted Medical AdvocacyStarting at $19/mo

Targeted cash benefits for cancer chemotherapy, radiation, experimental immunotherapy, hospital confinement, and travel for specialized care.

Details →
Hospital Cash Indemnity
Hospital Cash IndemnityDirect Daily Cash PayoutStarting at $22/mo

Offset high health plan deductibles and hospital copays with fixed daily cash payouts for inpatient admissions, surgery, and ER visits.

Details →
Dental & Vision Plans
Dental & Vision PlansNo Waiting Period OptionsStarting at $18/mo

Comprehensive dental and vision coverage with 100% covered preventive checkups, immediate benefits, and huge discounts on major services.

Details →
Disability Income Protection
Disability Income ProtectionPaycheck ProtectionStarting at $35/mo

Protect your greatest financial asset — your ability to earn an income — with monthly tax-free paycheck replacement if disabled.

Details →
Worldwide Travel Insurance
Worldwide Travel InsuranceInstant Global MedicalStarting at $28/mo

Travel with complete peace of mind with 24/7 emergency medical evacuation, trip cancellation refunds, lost luggage reimbursement, and concierge aid.

Details →
Pet Health Insurance
Pet Health InsuranceUp to 90% Vet Bill ReimbursementStarting at $25/mo

Keep your dogs and cats protected with comprehensive veterinary reimbursement for unexpected illnesses, surgeries, accidents, and medications.

Details →
Business Owner's Policy (BOP)
Business Owner's Policy (BOP)Commercial Enterprise DefenseStarting at $65/mo

Complete commercial insurance bundled for small business owners, combining general liability, commercial property, and business interruption defense.

Details →
Home & Auto Bundle Insurance
Home & Auto Bundle InsuranceSave up to 25% by BundlingStarting at $85/mo

Protect your home, vehicles, and personal assets with comprehensive multi-policy bundles across top AM Best underwriters.

Details →
24/7 Accident Shield
24/7 Accident Shield24/7 Off-the-Job & On-the-JobStarting at $12/mo

Direct cash payments for emergency room visits, fractures, dislocations, ambulance rides, and physical therapy following an accidental injury.

Details →
Vision Care Plans
Vision Care PlansInstant Eyewear DiscountsStarting at $9/mo

Low-cost vision coverage providing $10 copay annual eye exams, $150–$200 designer frame allowances, and major discounts on contact lenses and LASIK.

Details →