Health, Life & Personal Liability Insurance

Coverage That Supports You Now & Later

Some insurance protects your health. Some protects your finances. And some protects your loved ones long after you’re gone. At Insurance Designers, we offer personal policies that cover all three. Our health, umbrella, and life insurance options help you stay prepared for the unexpected—with clear guidance and coverage that fits your stage of life.

Health Insurance

Coverage That Helps You Feel Prepared

Health insurance is about more than doctor visits—it’s about financial peace of mind. We help individuals and families find medical coverage that works, with options for everything from major medical to short-term and supplemental plans.


  • Individual & family plans
  • Prescription, preventative, hospital & emergency care
  • Help with plan selection, enrollment & renewals
  • Designed for freelancers, retirees & gap coverage

Umbrella Insurance

Extra Liability Coverage for Life’s What-Ifs

Umbrella insurance gives you an extra layer of liability protection beyond your standard home or auto policies. If you're ever held responsible for damages or injuries that exceed your basic policy limits, an umbrella policy can keep your savings and future secure.


  • Adds $1M+ in extra liability protection
  • Covers legal defense, settlements & medical expenses
  • Works alongside auto, homeowners, & renters policies
  • Great for homeowners, landlords, pet owners & families

Life Insurance

Plan Today to Protect Tomorrow

Life insurance isn’t just for later—it’s for now. It’s how you take care of your family when you no longer can. Whether you're starting a family, buying a home, or planning your estate, we’ll help you choose a policy that fits your goals and financial future.


  • Term, whole & universal life options
  • Support for income replacement, debt protection & legacy planning
  • Affordable plans for every life stage
  • One-on-one guidance without pressure or jargon

Let’s Build a Stronger Safety Net

Tailored Coverage for Health, Liability & Life

We take the time to understand your life, your risks, and your goals—so we can help you choose the policies that offer the protection you actually need. No guesswork, no pressure, just coverage you can count on.

FAQs

Got a question? We’re here to help.

  • Do I need health insurance if I’m young and healthy?

    Yes. Even a minor injury or illness can lead to major costs. Health insurance helps you avoid financial strain—and gives you access to preventive care that keeps you healthier long term.

  • How does umbrella insurance work with my other policies?

    It activates when your homeowners or auto policy limits are maxed out, providing extra liability protection so you don’t have to pay out-of-pocket for large claims or legal fees.

  • What’s the difference between term and whole life insurance?

    Term life provides coverage for a set number of years (like 10 or 30) and is often more affordable. Whole life lasts a lifetime and builds cash value over time. We’ll help you decide which fits best.

  • How much life insurance do I need?

    That depends on your income, debts, dependents, and long-term goals. We’ll walk through your financial picture and help calculate an appropriate coverage amount.

  • Can I get life insurance if I have health issues?

    Possibly. Many policies are available with simplified underwriting or no medical exam. We’ll help you find a carrier that fits your situation.

Ready to Protect Your Property?

Let’s Find the Right Fit for Your Space & Budget

Contact Us