Are you "hard to insure"? Not with us.

Even if you have pre-existing medical conditions or have been turned down before, you can be approved with our quick & easy process.

Protecting your family's financial future has never been simpler.

With no doctor visits, no needles, and no testing we will help you find the life insurance policy that is right for you, even if you’ve previously been turned away due to pre-existing conditions such as diabetes, cancer, and obesity.

A life insurance policy:

Provides security for your family in case of loss;
Helps with estate planning, preservation, and wealth management;
Assists with your retirement and savings plans;
Can be used for home mortgage protection (better than what the banks offer);
Offers corporate buy-sell coverage, key-man insurance, and RCA arrangements;
And most importantly… Gives you peace of mind.

As a broker we help you understand your life insurance needs and work with numerous different providers to allow you access to the policy that exactly fits your requirements quickly, easily, and at the best possible rate. Best of all, we don’t require any invasive testing or in-person appointments to get you set up.

Apply entirely online in less than 15 minutes and we’ll have you on your way to securing the life insurance policy that is right for you.

About Specialized Benefits

The days when every working person had an employer-sponsored health and benefit plan have become a distant memory. This is where we can help! Our team has over 45 years of experience helping families protect what they cherish most.

We pride ourselves on consistently prioritizing YOU. We tackle your insurance policy questions from a place of education and clarity, making sure that you understand your needs, your options, and what you ultimately are purchasing. After your policy is in place, we remain in touch with you for any follow up questions, renewals, or changes that need to be made.

You can trust us to get you approved for a life insurance policy that fits exactly what you need.

From Our Clients

We want you to feel good about choosing Specialized Benefits.

There is nothing more important to us than our clients, and we're proud to share some of the wonderful sentiments they have shared over the years.

Rhett and Paulette are very knowledgeable, friendly and professional. My husband and I had many questions and concerns, and they were able to answer them all and make us feel very happy with our choices, even with the difficulties of COVID-19. Paulette are always quick to reply and happy to help. Rhett always call if there is any changes or to explain something. They are always available to help you. I would recommend Rhett and Specialized Benefits to anyone looking for health, disability, critical illness or life insurance protection!

- Marcele Brito

I have worked with the great people at Specialized Benefits for the past 8 years and they have always exceeded my expectations. They are very professional, responds to any questions or concerns and explains everything you need to know about group and health benefits, life and disability insurance and more. I would happily refer Rhett and his team to all my family and friends.

- Janet Zahr

Having been through multiple insurance sales people who sell me a policy and dissappear, it's been such a nice change to meet Rhett. It's obvious Rhett has a detailed knowledge of all things in the insurance/benefits space so we had no hesitation in making him the agent of record on all our policies. He has also helped us with additional coverage at a very reasonable price which keeps us better protected for those unforseen events. I highly recommend Rhett and will definitely be working with him for all of our personal and corporate needs.

- Steven Tower

I have known and trusted Rhett for over 20 years - he has a way of breaking down the policies and products he offers and explaining things in a way that someone who isn't knowledgeable in the industry can analyze and understand. I recommend Rhett and Specialized Benefits to any family or friends needing protection and peace of mind.

- Blair Rayfield

Rhett was fantastic at helping my wife and I set up a small flexible health/life insurance policy. He was available to meet when it was convenient for us, took the time to answer all of our questions and made sure we were aware of all the aspects of our plan. I've recommended him to family out of town and he's been able to help them too. I highly recommend Rhett and Specialized Benefits.

- Dan Hunt

Rhett and his team provided simple and cost effective solutions that were easy for my wife and I to understand. If we have any post sale questions, he and his all star assistant Paulette are always quick to reply and happy to help. I would recommend Rhett and Specialized Benefits to anyone looking for health, disability or life insurance protection!

- Jeff Prediger