Our Services
Pricing That Fits Your Budget and Goals
Insurance premiums are never one-size-fits-all. Because rates vary depending on coverage levels, deductibles, age, location, and plan design, we provide tailored rate comparisons across 25+ top carriers at $0 consultation cost to you.
Basic Plan
Individual & Essential Coverage
Essential medical, preventive, and prescription protection tailored for individuals, freelancers, and budget-conscious families.
- ACA Marketplace subsidy review
- Routine doctor visits & wellness checks
- Essential generic prescription coverage
- Emergency room & urgent care protection
- Low-deductible & HSA-compatible plans
- In-network primary physician matching
Professional Plan
Small Business & Comprehensive
Complete major medical, specialist, and supplemental security tailored for families, startups, and growing small business teams.
- Comprehensive major medical & specialist access
- Small business group health & ICHRA options
- Low out-of-pocket maximums & copay designs
- Supplemental hospital indemnity & injury riders
- Direct access to 25+ top national networks
- Dedicated enrollment & claims advocacy
Advance Plan
Executive & Total Protection
Full-spectrum financial security combining premium healthcare, living-benefit life insurance, and corporate key-person protection.
- High-limit Term or Whole Life coverage
- Key-Person insurance & Buy-Sell funding
- Living benefits for critical & chronic illnesses
- Comprehensive dental, vision, & hearing plans
- Executive tax-advantaged health structures
- Priority 1-on-1 VIP advisory with Charles Boyd
A Proven, Client-Focused Framework
At AskTheHIM (Charles Boyd), we believe in clarity, not confusion. Our process is designed to deliver maximum results with minimal stress—putting your needs first at every step.
Comprehensive Insurance Solutions for Every Stage of Life
At AskTheHIM, we provide tailored insurance plans designed to safeguard your health, wealth, and future. Whether you're an individual, family, or business owner, licensed consultant Charles Boyd delivers coverage that brings clarity, confidence, and total peace of mind.
Health Insurance
Affordable, high-quality medical coverage to protect individuals, families, and business teams from unexpected medical bills. Covers doctor visits, prescriptions, preventive care, and hospital emergencies.
- ACA Marketplace subsidy qualification review (up to $0/mo plans)
- Small business group health & ICHRA reimbursement solutions
- Network verification for your trusted physicians and hospitals
- HSA-compatible and flexible deductible options tailored to your budget
Life Insurance
Ensure your loved ones and business partners are financially secure. Our tailored life policies provide tax-free income replacement, mortgage protection, living benefits, and business buy-sell funding.
- Affordable 10, 20, and 30-year Term Life with locked-in premiums
- Permanent Whole Life with cash-value accumulation
- Key-Person business insurance and Buy-Sell agreement funding
- Living benefits for chronic, critical, and terminal conditions
Medical & Supplemental
Bridge the gap in standard insurance policies. Supplemental plans pay direct cash benefits to help cover deductibles, specialist treatments, lost wages, and unexpected emergency out-of-pocket costs.
- Customizable cash payouts ($2,500 to $10,000+) for hospital stays
- Lump-sum critical illness, stroke, and cancer coverage
- Small business voluntary employee benefits at zero company direct cost
- Comprehensive Dental, Vision, and Hearing packages
Direct Access to 25+ Premier National Carriers
We work independently across the nation's top insurance providers to secure maximum coverage at your optimal price point.
