Family Services

Family Services: Protect What Matters Most


At C & K Healthcare Advisors, we believe every family deserves peace of mind, financial security, and a plan for the future. Whether you're just starting your family or preparing for retirement, our comprehensive services are designed to grow with you, protect your loved ones, and build a lasting legacy.

Affordable Care Act (ACA) Health Plans

Protection for the Whole Family—Without Breaking the Bank

Our ACA health insurance solutions help individuals and families get quality healthcare at prices that fit any budget.


Why Families Choose ACA with Us:

Access to low or $0 premium plans (based on income)

Coverage for pre-existing conditions

Pediatric dental and vision included

Broad provider networks in most states

Year-round enrollment with qualifying events

💡 Let us walk you through the subsidy calculator and get your family covered affordably.

Life Insurance for Adults: Security and Legacy


Because your loved ones rely on your love—and your income.

We offer customized life insurance solutions to help protect your family's financial future in the event of the unexpected.


Plan Options:

Term Life: Affordable coverage for 10–30 years, ideal for income replacement

Whole Life: Permanent protection with guaranteed premiums and cash value

IUL (Indexed Universal Life): Flexible coverage with tax-free growth potential for future income


MPI (Mortgage Protection Insurance): Keep the Roof Over Their Heads—No Matter What


Protecting your home is protecting your family.

Your home is more than just a place—it's where memories are made, milestones are celebrated, and your family's future unfolds. With Mortgage Protection Insurance (MPI) using Term Life Insurance, you can make sure your loved ones are never burdened by your mortgage if something unexpected happens.

🛡 Why Families Choose MPI with Us:

✅Affordable Protection: Term life coverage tailored to match your mortgage term (10, 15, 20, or 30 years)


✅Peace of Mind: Your family stays in the home—no foreclosure, no disruption


✅Simple Process: No exams for some policies; fast approval available


✅Custom Coverage: Optional riders for disability, chronic illness, or return of premium

💡Some policies return your premiums if you outlive the term—ask us how!

Children’s Whole Life Insurance & “3 Pay Plan”


A Gift of Love That Grows with Them

Secure your child’s future with a Children’s Whole Life Policy —builds lifelong protection and cash value they can use later in life.

✨ Introducing Our Exclusive 3 Pay Plan:

Pay premiums for only 3 years

Policy is fully paid up for life

Locked-in rates, no medical exams

Cash value grows tax-deferred

Builds financial security for education, marriage, or emergencies

💡A policy they’ll thank you for—decades from now.

Accident Insurance: Coverage for the Unexpected


Because accidents don’t discriminate—adults and active kids alike need protection.

Whether it’s a sports injury, a broken bone, or a weekend mishap, accident insurance helps cover ER visits, X-rays, ambulance rides, and more.


Ideal For:

Families with young children in sports

Active adults, weekend warriors, and parents on the go

High-deductible health plan users who want gap coverage

📘Pays cash directly to you when it matters most.

Planning Retirement Early: The Power of IULs


Your future self will thank you.

Start planning now with Indexed Universal Life Insurance (IUL) —a powerful tool that combines life insurance protection with retirement income potential.


Benefits of IULs for Families:

Tax-free withdrawals in retirement (if structured properly)

Market-linked growth with downside protection

Income replacement and estate transfer in one product

Access cash value for college, emergencies, or big milestones

🧠 Think of it as a Roth IRA with no contribution limits and built-in life insurance.

🏡Revocable Living Trusts: Protect Your Family’s Legacy


Wills say what you want. Trusts make it happen smoothly.


A revocable living trust is a legal tool that helps manage your assets while you're alive and helps your family avoid probate and protecting privacy after you are gone.


Why Families Choose Trusts:


✅ Avoids court and legal delays


✅ Maintains privacy for your estate


✅ Allows fast, controlled asset distribution


✅ Names guardians for minor children and manages inheritance


🛡️ Your legacy deserves more than just a will.

🤝 Ready to Talk? Let’s Make a Plan Together.

We understand that every individual’s situation is unique. Whether you’re planning ahead or navigating choices now, we’re here to guide you with professionalism and warmth.

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Client Testimonial

"Paul at C & K Health Care Advisors made it so very easy for us to navigate the medicare system of choices. He also had great advice for our retirement investments. We highly recommend C & K Health Care Advisors for all your Medicare and retirement investment needs."

Oscar and Cindy

Pennsylvania

DISCLAIMER:

Plans and products may not be available in all areas. Certain exclusions and limitations may apply.

This Website serves as an educational invitation for you, the customer, to inquire about further information regarding your health insurance options, and submission of your contact information constitutes as permission for a Licensed Insurance Representative to contact you with further information, including complete details on cost and coverage of this insurance. Contact will be made by a licensed insurance agent/producer or insurance company.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. This is a solicitation for Insurance.

C & K Healthcare Advisors, LLC and their agents are licensed and certified representatives of a Health and Life Insurance organization. Enrollment in any plan depends on contract renewal.