Frequently Asked Questions

When you work with an independent Medicare agent, they are able to represent multiple carriers and find the best option that fits your specific needs. When you work directly with a carrier, you are limited to their specific offerings. 

If you lose your insurance card, contact VIS and we will make sure the carriers send you a new one. 

The federal government allows people 30 days from the qualifying event to add someone to their insurance. If you do not enroll within the 30 day Special Enrollment Period, you will have to wait till open enrollment. Examples of Qualifying Events include but are not limited to:

1. Birth or adoption of a child

2. Marriage (and divorce)

3. Loss of other coverage

4. Becoming a US citizen

If you have or think you have a Qualifying Life Event, please contact us immediately so you don't miss your Special Enrollment Period. 

We offer a large range of options from medical, dental, vision, basic life, voluntary life, short-term & long-term disability, to worksite policies including cancer, hospital indemnity, accident and more. 

We offer a range of life insurance options including term life, whole life, buy-sell, key man and universal life insurance.

The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our agents can help you determine the appropriate amount of coverage.

Term life insurance provides coverage for a specified term, while whole life insurance provides coverage for your entire life and includes a savings component.

As a client, you will always contact VIS for any questions you may have. Our service platform is set up so you never have to contact the carriers for questions or service problems. With our carrier relationships, we are able to make changes and take care of issues quickly and efficiently so you don't have to deal with them. We should always be your first call. 

It's very simple to switch your policies to VIS. We will send an AOR (Agent of Record) letter which you sign and send back to us. We then submit the letter to your carrier(s) to be named the agent. Your carriers and policies will NOT change. The only change is VIS will be your agent to help you through your renewals, answer questions, help with billing etc.

You have the ability to switch your policies to us at any time. There is no specific contract that prohibits you from switching your insurance agency.