Licensed Life & Health Insurance Broker

Protection Plans
Your Family Can
Actually Afford

Mocombe Financial Services offers a complete suite of health, life, critical illness, dental, and wellness plans — in English, Spanish, Haitian Creole, Portuguese, French, and Amharic. All available to enroll online in minutes. Our AI advisor is here 24/7 to help you find the right fit.

9Protection Plans
$150KMax Life Benefit
5 minOnline Enrollment
🛡️ Most Popular
Critical Shield
One policy covering Cancer, Stroke, and Heart Attack. Cash paid directly to you when you need it most.
  • $25,000–$75,000 lump sum payout
  • $25K–$30K guaranteed issue — no health questions
  • Works alongside any other coverage
  • No network restrictions
Under $30 / month to start
Hospital Expense Protection Plus
Select Dental PPO
$150KMax Life Benefit
9Plans Available
Day 1Benefits Start
$19.50Wellness Plan / Mo
24/7AI Advisor Available
Our Protection Plans

Everything Your Family Needs. One Broker.

From critical illness and term life coverage to dental, hospital protection, and wellness — Mocombe Financial Services has a plan for every need and every budget. Plans available in English, Spanish, Haitian Creole, Portuguese, French, and Amharic. Click any plan to enroll online in minutes.

🛡️ Critical Illness
Critical Shield
One policy covering Cancer, Stroke, and Heart Attack. Lump sum paid directly to you — not the hospital. Use it for anything your family needs.
  • $25,000–$75,000 lump sum payout
  • Guaranteed issue at $25K–$30K tier
  • No network restrictions
  • Add to any existing medical plan
Under $30 /mo to start Guaranteed Issue Available
Learn More →
🏥 Hospital Protection
Hospital Expense Protection Plus
Fixed-benefit plans covering hospital stays, ambulance, ICU, emergency room, and outpatient services. Benefits start day one.
  • Hospital admission up to $5,000
  • Air ambulance up to $25,000/trip
  • No network restrictions
  • 6 plan levels — A through F
Multiple plan levels available
Learn More →
⚕️ Short Term Medical
Medical Expense Shield
Short term medical insurance bundled with fixed-benefit protection. Aetna Open Choice PPO network access with 2M+ providers nationwide.
  • 12, 24, or 36 month terms
  • $25K or $35K deductible options
  • 100% covered after deductible
  • Fixed-benefit pays from day one
Flexible terms & deductibles Aetna Network
Learn More →
🦷 Dental Insurance
Select Dental PPO
Coinsurance dental plans with coverage day one. Value, Plus, and Prime plans with optional orthodontics and vision add-ons. Aetna network — 89,000 providers.
  • Coverage starts day one
  • Optional orthodontics coverage
  • Add vision from Avēsis
  • Annual max increases each year
3 plans from Value to Prime
Learn More →
🦷 Dental — No Deductible
Select Dental PPO Copay
Flat copay dental plans with no deductibles and no annual maximums on the Copay 2 plan. Predictable costs for every dental visit.
  • No deductibles ever
  • Copay 2: no maximums, no waiting
  • $50/visit preventive copay
  • Optional vision coverage
Flat copay — predictable costs
Learn More →
🦷 Dental — Cash Benefit
Dental Indemnity
Cash benefits for dental care with no waiting periods. Available from birth to age 94. Add an optional Network Savings Card for 45% savings.
  • Coverage from birth to age 94
  • No waiting periods on Basic plans
  • Optional 45% savings network card
  • 3 plan levels — Basic, Intermediate, Plus
$500–$1,500 annual max benefit
Learn More →
💚 Wellness Membership
My LIFE Wellness Plan
Complete family wellness membership. Telemedicine, dental discounts, vision, Rx savings, hearing, diabetes supplies, fitness, and more.
  • 24/7 telemedicine access
  • 20–50% dental discounts
  • Rx savings at 68,000 pharmacies
  • Entire family included
$19.50 /mo — entire family Everyone Accepted
Learn More →
🕊️ Life Insurance
Term Life Insurance
Protect your family's financial future. Your beneficiary receives a direct cash benefit if you pass away — to use any way they need. Also available in Spanish (Seguro de Vida a Término).
  • $20,000–$150,000 benefit levels
  • No medical exam — health questionnaire only
  • 10-year term · 5-year rate guarantee
  • Auto-renews through age 85
  • Primary & spouse coverage · Ages 18–64
8 levels from $20K to $150K Bilingual Available
Learn More →
🕊️ Seguro de Vida
Seguro de Vida a Término
Proteja el futuro financiero de su familia. Sus seres queridos reciben un beneficio en efectivo directo si usted fallece — para usar como más lo necesiten.
  • Niveles de beneficio: $20,000–$150,000
  • Sin examen médico — solo cuestionario
  • Plazo de 10 años · Garantía de tarifa 5 años
  • Se renueva automáticamente hasta los 85 años
  • Cobertura primaria y del cónyuge · Edades 18–64
8 niveles de $20K a $150K En Español
Más información →
⭐ Mocombe Protection Bundle
The Complete Family Protection Package
Our most popular combination — Critical Shield + Hospital Expense Protection + Dental coverage. Everything your family needs in one streamlined enrollment.
Critical Shield — Cancer, Stroke & Heart Attack ($25K–$75K)
Term Life Insurance — $20K–$150K for your beneficiary
Hospital Expense Protection Plus — Hospital & Ambulance
Select Dental PPO — Preventive, Basic & Major Coverage
My LIFE Wellness Plan — Telemedicine & Rx Discounts
Complete coverage from
~$80
/month — 4 plans, complete protection
Save vs. enrolling separately
Why Choose Us

Real Protection. Real Broker. Real Person.

Mocombe Financial Services isn't a call center or an algorithm. We're a licensed broker who stands behind every plan we offer — and we're available by phone whenever you need us.

🛡️

Licensed & Independent

We're a fully licensed Life & Health insurance broker. Independent means we're not tied to any single carrier — we find the plan that actually fits your situation.

🤖

AI Advisor — 24/7

Our AI sales advisor knows every plan we offer. Ask it anything — coverage questions, comparisons, pricing, eligibility — anytime day or night. No hold music. No wait times.

⚡

5-Minute Enrollment

Every plan on this site can be enrolled in online in about 5 minutes. No paper forms, no office visits, no lengthy phone calls required — unless you want one.

💰

Transparent Pricing

You see exactly what you're paying and exactly what you're getting before you enroll. No hidden fees. No surprise rate changes at renewal without notice.

📞

Real Human Available

Our AI advisor handles the routine questions, but a real licensed broker is always available by phone when you want a human conversation. Call anytime.

🔄

Lifetime Relationship

We don't disappear after enrollment. We're here for renewals, coverage questions, life changes, and adding plans as your family's needs evolve.

Your Family Deserves to Be Protected

Every plan on this page is available to enroll in right now — online, in about 5 minutes. Our AI advisor is standing by to answer any questions.

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Maya — Mocombe AI Advisor
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