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Insurance the Way It Used to Work

Insurance Made Simple.
Coverage That Fits.

I'm a broker, so I work for you. I provide independent guidance across Medicare Advantage, Medicare Supplement, Final Expense, Annuities, and Life Insurance — and I shop every carrier to find what actually fits your life.

Contracted With 20+ Top-Rated Carriers
Mutual of Omaha UnitedHealthcare Aetna Humana Anthem Transamerica +15 More →
Coverage I Offer
Affordable ChoiceNo Deductible
Medicare AdvantageMultiple Options
Medicare SupplementPlan G & Plan N
Life & Final ExpenseTerm, Whole & More
AnnuitiesGuaranteed Income
Your Cost for a Review$0 — Always Free
What I Offer

Coverage for Every Stage of Life

01
Medicare Advantage

All-in-one Medicare plans from multiple carriers. Many include built-in dental, vision, and hearing. I'll show you what's actually available in your area.

I need my Medicare Advantage to...
"I'm looking for $0 premiums, in-network doctors, built-in dental, vision & hearing, OTC & grocery cards, and rides to appointments — all in one plan."
02
Medicare Supplement

Medigap plans that cover what Original Medicare leaves behind. Plan G and Plan N across multiple states. See any doctor who accepts Medicare.

I need my Medicare Supplement to...
"I'm looking to see any doctor who accepts Medicare, avoid surprise bills, have predictable costs, and keep my coverage wherever I travel in the country."
03
Affordable Choice

A cash-back health plan that pays you directly for doctor visits, ER trips, and hospital stays — no deductible, starting with your first visit. A budget-friendly option if a marketplace plan doesn't fit.

I need my health coverage to...
"I'm looking for something affordable that pays me back right away for doctor visits and hospital stays — not some huge deductible I'll probably never hit."
04
Annuities

Fixed and indexed annuities that protect retirement savings from market loss while generating income you can't outlive. Real guarantees, not projections.

I need my Annuity to...
"I'm looking for guaranteed income I can't outlive, protection from market loss, tax-deferred growth, and a plan that continues for my spouse if I'm gone first."
05
Life Insurance & Final Expense

Term, Whole Life, Universal, and Final Expense coverage — from no-exam protection for funeral and final costs to long-term, tax-advantaged strategies for business owners and families.

I need my Life Insurance to...
"I want to cover funeral and burial costs, pay off the mortgage, replace my income if I'm gone, and leave 'I love you' money behind for the people I love."
06
Ancillary Coverage

Dental, vision, and hearing plans to fill the gaps your primary coverage leaves behind. Small premiums that prevent big surprises.

I need my Ancillary coverage to...
"I'm looking for dental that actually covers what I need, and vision and hearing that fill the gaps my main plan leaves behind."
Free Tools

Not Sure Where to Start?

Answer a few questions and get a personalized recommendation in under 2 minutes.

MEDICARENAMEMEDICARE CLAIM NUMBERHEALTH INSURANCE
Medicare
Medicare Plan Finder
Advantage or Supplement? Answer 9 questions and get a personalized recommendation that actually fits your life.
Take the quiz →
Life Insurance
Life Insurance Finder
Final Expense, Term, or IUL? Answer 10 questions and get a recommendation that matches where you are in life.
Take the quiz →
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Retirement Planning
Social Security Tools
When should you claim? Will your income trigger an IRMAA surcharge? Free quiz and calculator, no signup needed.
Explore the tools →
Why Work With Me

Independent. Unbiased. On Your Side.

I'm not tied to any single carrier. That means I'm shopping the market on your behalf — not steering you toward whoever pays the highest commission. My review costs you nothing. Ever.

1
Turning 65? Your Medicare enrollment window is 7 months — 3 before your birthday, 3 after. Miss it and you pay penalties for life. Let's get this right.
2
Already on Medicare? Annual Enrollment runs Oct 15–Dec 7. I review your plan every year so you're not overpaying or under-covered.
3
My review costs you nothing. Carriers pay me directly — your plan cost is identical whether you work with me or go direct.
$0
Cost for a consultation
Always free, no obligation
20+
Carrier partnerships
Real options, not one pitch
100%
Independent broker
No quotas, no bias
See the full carrier list →
Carrier Partnerships

The Carriers I'm Contracted With

Because I'm independent, I'm not limited to one company's products. Here's who I currently shop on your behalf — the right fit depends on your situation, not which carrier I represent.

Mutual of Omaha
Est. 1909 · Omaha, NE
Corebridge
Roots to 1926 · Independent since 2022
CICA
Living-benefit life insurer
Assurity
Roots to 1890 · Lincoln, NE
Manhattan Life
Est. 1850 · One of the oldest US insurers
United Healthcare
Est. 1977 · Minnetonka, MN
Medico Wellabe
Roots to 1929 · Des Moines, IA
Devoted
Founded 2017 · Built for seniors
Ethos - TruStage
Ethos: 2016 · TruStage: 1935
American Amicable
Est. 1910 · Waco, TX
Transamerica
Roots to 1904 · San Francisco
Aetna
Est. 1853 · Hartford, CT
Humana
Est. 1961 · Louisville, KY
Anthem
Roots to 1944 · Blue Cross Blue Shield
United American
Est. 1947 · Dallas, TX
Physicians Mutual
Est. 1902 · Omaha, NE
Foresters
Est. 1874 · Fraternal benefit society
Molina
Est. 1980 · Started with one clinic
Zing Health
Founded 2019 · Community-focused
WellCare
Est. 1985 · Tampa, FL
SBLI
Est. 1907 · Founded by Louis Brandeis
Aetna Accendo
Launched 2020 · Aetna/CVS affiliate

Carrier availability varies by product and location — not every carrier listed offers coverage in every area.

Get in Touch

Let's Have a Real Conversation

No scripts. No pressure. Just a straight conversation about where you are and what makes sense for your situation. Most calls take 15 minutes.

Call or text: (317) 728-9417
1
We talk. 15 minutes, no pitch deck — just questions about where you're at.
2
I compare carriers. I run your situation across the options that actually fit, not just one.
3
You decide. No deadline, no pressure. It's your call, always.
Request a Free Review
Leave your info and I'll reach out within one business day. No spam, no pressure.

Not sure which plan fits you? Take the free Medicare Plan Finder quiz →

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Thomas Crowhurst — Independent Insurance Broker
About Thomas

A Real Person in Your Corner

I'm Thomas Crowhurst, an independent insurance broker licensed across multiple states. I entered the insurance industry the same way most of my clients find me — trying to make sense of a complicated system and looking for someone who would just give it to them straight.

I specialize in Medicare Advantage, Medicare Supplement, Final Expense, and Annuities. As an independent broker, I'm contracted with carriers across the country — which means I can look at the full picture of what's available in your area.

When you call that number, you get me. Not a call center. Not a voicemail queue. Just a licensed agent who will take the time to understand your situation.

Call Thomas Directly
Medicare Education

Articles & Guides

Ancillary Coverage
The "Cash-Back" Health Plan Nobody Explains Right
You've probably seen a plan that pays YOU money every time you go to the doctor. Here is what it actually does, what it doesn't, and how it fits next to real insurance.
Read article →
Medicare
Medicare Advantage vs. Medicare Supplement: Which Is Right for You?
When you turn 65 you have a decision to make. Most people make it without really understanding what they are choosing. Here is the short version.
Read article →
Life Insurance
What Happens to Your Family If Something Happens to You?
Most people think life insurance is about dying. It is not only about that anymore. Here is what nobody talks about until it is too late.
Read article →
Medicare
AEP Explained: Why October 15 Matters for Medicare Members
Every year between Oct 15 and Dec 7, you can change your Medicare coverage. Here is how to use that window to make sure you are on the right plan.
Read article →
View all articles →

Turning 65 Soon? Let's Talk.

Your Medicare enrollment window has real deadlines. A free 15-minute call gives you a clear picture of what's available — no obligation, no pressure.

Request a Free Review

Coverage availability varies by carrier and location. We do not offer every carrier in your area. This website is not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent may contact you. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.

TC
Tommy Bot
AI Assistant — Ask me anything
Hi there! I can answer questions about Medicare, Final Expense life insurance, or anything else Thomas offers — 24/7. What's on your mind?
Educational only. Not insurance advice. Coverage varies by location & carrier.