Individual Benefits

Personalized plans for all your short- and long-term needs

Getting and using insurance for yourself is overwhelming: researching and comparing plans, figuring out changing government policies, getting approved and enrolled, filing claims. But just because you have an individual plan doesn’t mean you have to go through it by yourself, nor should you. Contact Torgersen Causey to ensure you get what you need, understand what you get, and don’t overpay for it.

Torgersen Causey is your trusted partner who will be with you throughout the entire insurance journey, from needs assessments to benefits reception. We’ll find you a plan based on how you actually use your health insurance, make it easy to enroll, and provide complete support. You’ll be protected, prepared, and relieved by your health insurance instead of burdened by it.

Our plans and products cover everything you could need while still meeting your budget

Health Insurance

Major Medical

Meet all the minimum essential benefit standards of the ACA, with access to a broad range of inpatient and outpatient services, including serious illness and hospitalization.

Dental Insurance

Don’t wait until you’re in pain– improve your oral health and wellbeing by getting the regular, preventative dental care you deserve.

Life Insurance

From term life insurance to whole life, we’ll ensure loved ones are supported and cared for in the event of the death of the policy holder.

Long-Term Disability

Protect your livelihood with our plans that ensure you will continue to have income in the event that you can’t work due to illness or injury (work related or not).

Other Products

Temporary Policies

Whether you’re between jobs or outside enrollment periods, we can provide the coverage you need for doctor visits, urgent care, emergencies, prescriptions, and more.

World Travel

Enjoy your trip knowing you’re prepared for anything, including medical expenses, transport and baggage issues, and more.

Health Savings Accounts

High deductible health plan holders can lower the costs of a broad range of medical services by paying for them using these tax-advantaged savings accounts.

Long-Term Care Insurance

Protect your savings and assets by minimizing the costs of LTC, like assistance with Activities of Daily Living, which is not covered by Medicare.