About the agency
Jay Vital Solutions is an independent insurance agency. We are not a government agency and are not affiliated with or endorsed by the federal or any state government, Medicare, HealthCare.gov, or Covered California.
Service area and availability
Jay Vital Solutions works with clients across the United States where properly licensed and where the requested products are available. References to the U.S. describe our geographic focus, not a representation that every product or agent is available in every state. Carrier appointments, coverage, benefits, networks, underwriting requirements, eligibility, and rates vary by state, carrier, plan, and applicant.
Coverage reviews and applications
The initial coverage review is free. Requesting a review is not an instant quote, application, enrollment, or guarantee of eligibility, savings, or coverage. Submitting a request does not create insurance coverage or require you to purchase. Issued policy terms and carrier documents govern coverage.
Carrier names and images
Carrier names and logos identify their respective owners. They do not imply endorsement, government affiliation, or availability to every applicant. Illustrative images are not customer testimonials or evidence of customer outcomes.
Contact consent and privacy
The review form includes the contact consent applicable to your request. Consent is not a condition of purchase. Message and data rates may apply; reply STOP to opt out of texts. See our Privacy Policy for information about how inquiry details are handled.
Product information
Our guides are educational. They explain product categories and questions to consider; they are not a substitute for policy documents or advice tailored to your circumstances.
Accident Protection
Accident insurance is supplemental accident-only coverage and is not comprehensive health insurance. Benefits are limited to covered injuries and services listed in the policy.
Annuities
Jay Vital Solutions is an independent insurance agency, not a bank, investment adviser, tax adviser, or government agency. Annuities are insurance products. Variable annuities are securities. This page is educational and does not provide tax, legal, or investment advice.
Business Group Benefits
Benefits, contribution rules, participation requirements, tax treatment, and availability vary. This is general insurance information, not legal, tax, payroll, or ERISA advice.
Critical Illness
Critical illness insurance is supplemental specified-disease coverage and is not comprehensive medical insurance. It pays only when the issued policy’s definitions and requirements are met. Covered conditions, benefit percentages, recurrence provisions, exclusions, reductions, underwriting, and availability vary by carrier, policy, and state.
Dental Vision Hearing
Dental, vision, and hearing products may be insurance or discount plans. They are not substitutes for comprehensive medical insurance. Benefits, limits, and availability vary.
Final Expense
Final expense insurance is life insurance. Benefits, premiums, underwriting, graded periods, exclusions, and availability vary by policy, applicant, and state.
Fixed Indemnity
Fixed indemnity coverage is an excepted benefit designed to pay fixed or scheduled benefits. It is not comprehensive health insurance and may not include protections such as coverage of essential health benefits or comprehensive limits on out-of-pocket costs.
Health Supplemental
Supplemental insurance is limited-benefit coverage and is not a substitute for comprehensive health insurance. Benefits, exclusions, underwriting, and availability vary by product and state.
Health Wellness
This is general insurance and consumer information, not medical advice. Only a licensed medical professional can diagnose, prescribe, or recommend treatment. Availability varies.
Hospital Indemnity
Hospital indemnity insurance is supplemental fixed-indemnity coverage and is not a substitute for comprehensive health insurance. It may not include federal protections that apply to comprehensive coverage. Read the policy and required consumer notice.
Indexed Universal Life
Jay Vital Solutions is an independent insurance agency. Indexed universal life is life insurance, not a direct investment in a market index. Policy values depend on premiums, charges, credited interest, loans, withdrawals, and contract terms.
Life Insurance
Jay Vital Solutions is an independent insurance agency and is not affiliated with any government agency. Coverage is subject to carrier underwriting, state availability, and policy terms.
Major Medical Health
Jay Vital Solutions is an independent insurance agency and is not affiliated with or endorsed by the Health Insurance Marketplace or any government agency. Eligibility, savings, networks, benefits, and availability vary.
Mortgage Protection
Jay Vital Solutions is an independent insurance agency and is not affiliated with any government agency or mortgage lender. This page is informational and is not an offer or guarantee of insurance. Coverage is subject to carrier underwriting and policy terms.
Term Life
Jay Vital Solutions is an independent insurance agency and is not affiliated with any government agency. This page is informational and is not an offer or guarantee of insurance. Coverage is subject to carrier underwriting and policy terms.
Whole Life
Jay Vital Solutions is an independent insurance agency and is not affiliated with any government agency. This page is informational and is not an offer or guarantee of insurance. Coverage is subject to carrier underwriting and policy terms.
Questions
Contact jayvitalsolutions@gmail.com for questions about these disclosures.