PORTFOLIO OF COVERAGE
Comprehensive Protection
Institutional-grade underwriting access across premier national carriers, structured for personal assets and corporate continuity.
Final Expense
Dedicated end-of-life liquidity designed to resolve funeral obligations, legal fees, and immediate liabilities without burdening surviving family members.
Life Insurance
Term and permanent contracts calibrated to replace household income, secure residential mortgages, and seed tax-advantaged generational wealth.
Individual Health
Private-market and ACA-compliant medical networks structured for independent consultants, entrepreneurs, and high-net-worth professionals.
Group Health
Custom employee benefit packages engineered to optimize corporate tax efficiency, enhance executive retention, and contain group health premiums.
Medicare Supplements
Targeted Medigap and Advantage strategies that insulate retirees from unpredictable hospital copays, deductible spikes, and prescription costs.
Annuities & IUL
Fixed indexed annuities and IUL contracts delivering zero-loss downside floors, indexed upside potential, and tax-exempt retirement distribution.
SUPPLEMENTAL HEALTH SAFEGUARDS
Specialized Safety Nets
Major medical insurance shields you from catastrophic hospital billing, but significant deductibles and everyday life expenses remain exposed. Supplemental coverage delivers cash directly to you when health crises occur.
TARGETED ONCOLOGY DEFENSE
Cancer Care & Experimental Therapy
Standard policies cover primary clinical protocols, yet experimental treatments, travel to regional cancer institutes, and lost household wages create massive unforeseen stress. Cancer coverage pays you an unconditional lump sum upon confirmed diagnosis, giving your family true freedom to pursue optimal care without exhausting life savings.
- Direct lump-sum payments sent straight to your bank account
- Freedom to seek out-of-network specialty care and second opinions
- Living expense coverage for mortgage, groceries, and caregiver support
IMMEDIATE INJURY RECOVERY
Accident Expense & Emergency Relief
A mishap around the home, a weekend sports injury, or a traffic incident shouldn't trigger thousands in surprise deductible costs before your standard benefits engage. Accident indemnity pays structured amounts for emergency room triage, diagnostic imaging, and physical therapy sessions with zero waiting period.
- Prompt benefits for emergency room visits, urgent care, and X-rays
- Offsets high annual deductibles on major medical health plans
- Rehabilitative care stipends including physical therapy and crutches
INPATIENT FACILITY CUSHION
Hospital Confinement Indemnity
Even brief hospital stays accumulate daily facility fees, intensive care room rate multipliers, and physician copays that swiftly push families toward their max out-of-pocket limits. Hospital indemnity steps in with pre-determined daily or admission payouts, providing liquid capital to pay copays as they arrive.
- Guaranteed daily cash stipends for hospital admissions and stays
- Enhanced protection for intensive care unit (ICU) confinement
- Simple claim submission independent of primary network billing
CRITICAL EPISODE PROTECTION
Critical Illness & Recovery Funds
A stroke, heart attack, or major organ failure requires extended recuperation and time away from employment. Critical illness insurance provides tax-free cash proceeds that allow spouses to take family leave and protect credit ratings while you focus entirely on your physical recovery.
- Tax-free capital payout immediately upon qualified diagnosis
- Enables extended leave for caregiving family members
- Guards ongoing lifestyle obligations, debts, and college funds
NEED GUIDANCE FINDING THE RIGHT GAP COVERAGE?
Every family's health profile and risk tolerance is distinct. We help evaluate your current primary plan to identify deductible blind spots and tailor affordable supplemental safety nets.
Local Independence: We represent your interests, not carrier sales quotas. Over 30 top-rated carriers compared side-by-side.
OUR DIFFERENCE
The Independent Advantage
Unlike captive agents obligated to promote a single company's catalog, an independent agency stands entirely on your side. We analyze risk profiles and underwrite market options across industry-leading carriers like United American and Americo to secure coverage engineered around your distinct lifestyle and budget.
Navigating the Chicago insurance market requires nuanced insight into evolving state requirements, neighborhood considerations, and carrier strengths. Our advisory model pairs personalized attention with institutional-grade carrier access, ensuring you never settle for generic coverage or inflated premiums.
- Freedom to shop multiple A-rated carriers instead of being locked to one
- Annual policy reviews to capture lower rates as life circumstances change
- Dedicated local claims advocacy representing you directly against insurers
Transparent consultations. No carrier quotas or hidden fees.
LICENSED ILLINOIS BROKERAGE
Ready for Peace of Mind?
Reserve your dedicated review with an independent fiduciary advisor. We analyze over 30 top-rated carriers to design coverage tailored to your health profile and financial goals: completely free of charge, with zero obligation.
- Direct 1-on-1 access to licensed Illinois insurance brokers
- Unbiased carrier comparisons across Medicare, Life & Health
- Zero broker fees, zero sales quotas, and strict confidentiality
Prefer direct phone review? Call (312) 847-1940
Schedule Advisory Session
Step 1 of 3Consultation Requested
An Illinois-licensed advisor from The Go To Insurance Solutions will review your coverage request and reach out within 1 business hour to confirm your meeting.
CLARITY FIRST
Your Questions, Answered
Selecting healthcare coverage shouldn't feel like navigating a maze. Here are candid answers regarding provider networks, Medicare transition schedules, and quote expectations.
How do I ensure my preferred doctors and specialists remain in-network?
During our initial consultation, we conduct a comprehensive provider check across all carrier formularies and clinical networks. We verify that your physicians, specialists, preferred hospital facilities, and maintenance prescriptions are fully covered before recommending any Medicare Advantage, Supplement, or private commercial policy.
What is the recommended timeline for transitioning from an employer group plan to Medicare?
Transitioning typically takes 2 to 4 weeks. If you are retiring or leaving creditable employer coverage, you qualify for an 8-month Special Enrollment Period. However, starting your Part B application and selecting your supplemental or Medicare Advantage plan 60 to 90 days prior to retirement guarantees seamless coverage with zero coverage gaps.
How quickly will I receive personalized comparison quotes?
Personalized side-by-side quote comparisons are delivered within 24 to 48 business hours. For complex group health plans or multi-state employee evaluations, our advisory team requires up to 3 business days to benchmark carrier pricing, actuarial values, and deductibles.
Are there extra fees or hidden surcharges for working with an independent broker?
No. Our advisory, plan comparison, and claims advocacy services are provided at zero cost to you. Under state insurance regulations, premium rates are legally mandated to remain identical whether you enroll directly with a carrier or through an independent fiduciary advisory firm.
What happens if a major medical network or carrier drops my physician mid-year?
Standard health contracts cannot alter core premium rates or designated co-pays mid-year. If a healthcare provider network terminates contracts outside the annual enrollment window, we immediately file carrier appeals and explore Special Enrollment qualification pathways to maintain your continuity of care.
Can our small business establish tiered contribution strategies for different employee classes?
Yes. Group benefit frameworks permit employers to construct tiered benefit categories according to bona fide employment classifications, such as salaried leadership versus hourly full-time personnel. We structure tax-optimized strategies and Health Reimbursement Arrangements (HRAs) to preserve corporate budget certainty.
Chicago Office
100 S. Wacker Drive, Suite 1400
Chicago, IL 60606
Direct Inquiry
Phone: (312) 847-2200
Advisory: [email protected]
Licensing & Regulatory Disclosures
The Go To Insurance Solutions is a fully licensed independent insurance brokerage operating in accordance with Illinois Department of Insurance regulations (IL DOI License #300189421). Not affiliated with or endorsed by any federal agency. Coverage binding is subject to individual underwriter approval and underwriting requirements. Specific policy conditions, limitations, and exclusions apply as outlined in final carrier documentation.
Ready for peace of mind? Review your options with an independent Chicago specialist today.
© 2026 The Go To Insurance Solutions. All rights reserved. Independent Brokerage Headquartered in Chicago, Illinois. Equal Housing & Insurance Opportunity.