Smart Shopper Resources
Trusted official sources and practical tools for making confident coverage decisions.
Official Government Resources
Medicare.gov for plan finders and enrollment windows · HealthCare.gov for ACA marketplace plans and subsidy estimates · Your state's Department of Insurance for agent license verification and consumer complaints.
Quick Rules Of Thumb
Life insurance: 10–12× annual income while others depend on your paycheck. Auto deductibles: only raise them to what you could pay tomorrow. Home coverage: insure for rebuild cost, not market value.
Our Guides
Plain-English explainers on the decisions that cost (or save) the most: browse the blog for term vs. whole life, Medicare enrollment windows, why auto rates rise, and more.
Check Before You Buy
Verify any agent's license with your state insurance department. Check carrier financial strength via AM Best ratings. Legitimate agents never pressure you to skip the paperwork.
Key Enrollment Windows
Medicare AEP: Oct 15 – Dec 7 · ACA Open Enrollment: Nov 1 – Jan 15 (most states) · Medicare Initial Enrollment: 7 months around your 65th birthday · Life & auto: anytime.
Ask Us Anything
Not sure where to start? Send us a question or call 1-302-417-2121 — pointing people in the right direction is literally our job.