HEALTH & LIFE INSURANCE
Coverage deserves
a closer look.
Let’s start with your priorities, then compare the details that affect how a policy works in your life.
HEALTH INSURANCE
More than a premium.
When comparing health coverage, consider your expected total costs, the provider network and prescription benefits. A lower monthly premium does not necessarily mean a lower total cost of care.
Your doctors & hospitals
Check participation in the exact plan’s network, including the locations and services you expect to use.
Your prescriptions
Review the formulary, pharmacy network, cost sharing and any coverage restrictions for your medications.
Your household & budget
Discuss premiums, deductibles and other out-of-pocket costs. Marketplace enrollment and financial help depend on eligibility and applicable rules.
LIFE INSURANCE
For the people
who count on you.
Start with the responsibilities you want coverage to address: income replacement, household debt, a mortgage or final expenses. Then discuss coverage amounts, the period of protection and what you can maintain over time.
Term coverage
Explore protection for a defined period, with premiums and renewal terms that should be reviewed carefully.
Permanent coverage
Discuss policy features, ongoing funding requirements, guarantees, non-guaranteed values and costs before deciding whether permanent coverage fits your needs.
Existing policies
A review can include beneficiaries, coverage periods and existing workplace benefits. Keep current coverage in place while evaluating any change.
Life insurance is different from mortgage insurance and is not required to obtain mortgage services. Availability, premiums and underwriting depend on the insurer and applicant.
REQUEST A PERSONAL REVIEW
What do you want
your coverage to do?
Tell me your state, whether you’re interested in health or life insurance, and the best way to reach you.
Jason Karpiel · NPN 20631246
Florida · Michigan · West Virginia · Ohio · South Carolina
Please do not include medical records, Social Security numbers, account details or other sensitive documents in an initial inquiry. A review request does not authorize enrollment or a change of agent.
Insurance inquiry
YOUR MARKETPLACE AGENT
Choose a person
you can reach.
Want Jason’s help with your Marketplace coverage? Contact him first to arrange assistance and authorization. For coverage managed through HealthCare.gov, keep his details handy when updating your application.
Agent: Jason Karpiel
National Producer Number (NPN): 20631246
Copy the NPN, then sign in to your own Marketplace account.
How to add Jason’s information
- Sign in to your own HealthCare.gov account and select your application.
- When asked about application help, select agent or broker and enter Jason Karpiel and 20631246 to record his assistance.
- Review your information and follow Marketplace instructions to complete the update. For an existing enrollment, contact Jason or Marketplace support before making changes if you need help.
Prefer help by phone? Call the Marketplace at 1-800-318-2596 with Jason’s name and NPN.
Opening the link or copying the NPN does not appoint an agent, authorize access, or change your plan. Jason is an independent insurance agent, not a government representative. CMS instructions · Contact Jason