Insurance Guidance That Feels Personal— Because It Is.

Clear answers, thoughtful coverage, and peace of mind for what matters most.

PERSONALIZED INSURANCE CONSULTING

self-employed, navigating a major life change, or JUST unsure what coverage you need? we replace confusion with clarity

We help you understand your options, protect your income, and make confident decisions about the future— with no pressure, no overwhelm, and support that feels like working with a trusted friend.

How we help

  • A woman with earphones sitting on a couch, coughing into a tissue while participating in a video call with a female doctor wearing a headset on a laptop.

    Health & Dental Plans

    - Help selecting and enrolling in individual health or dental coverage

    - Options for those without employer-provided benefits (especially self-employed individuals)

  • Business meeting with two people, one with hands clasped on the table, the other holding a pen over a document, discussing paperwork at an office conference table.

    Life Insurance & End-of-Life Planning

    - Term, whole, and universal life insurance options

    - Customized coverage based on your family’s specific needs and goals

    - Gentle, supportive planning that honors your legacy

  • A young man with glasses writing in a notebook while sitting on a sofa with a laptop, coffee mug, and notebook on the table.

    Financial Protection Planning

    - Short- and long-term disability insurance

    - Long-term care insurance

    - Income protection for self-employed individuals

Why Choose Shipley Benefits?

White anchor symbol on a black background.

One-on-one guidance to make sense of overwhelming options

A black and white graphic illustration of an anchor with two arrows surrounding its curved shank.

A compassionate, non-intimidating approach to planning for the future

White anchor symbol on black background.

A partner who makes benefits less confusing— with 20+ years of experience

White anchor symbol on a black background

Honest recommendations that reflect your life, not just a product

A woman with short blonde hair smiling in an office setting with large windows and potted plants in the background.

PEACE OF MIND WHEN IT MATTERS MOST

“…Kate took the time to explain every option clearly, ensuring we felt confident and informed in our decisions, it’s rare to find someone so dedicated, responsive, and trustworthy in this industry.

I was incredibly grateful for the support and peace of mind she provided. I highly recommend working with Kate.”

— Jeanne, HR Manager, Naples, FL

Smart Coverage & Real Connection Begins Here.

Fill out the form below to connect about your unique needs today.

FAQ

for individuals & self-employed

  • A: Yes, that’s exactly what we’re here for. We’ll talk through your current situation and future goals, explain your options in plain language, and help you choose the right coverage, without pressure or jargon.

  • A: Great question—and one we hear often. We specialize in working with self-employed individuals who don’t have access to traditional employee benefits. We'll help you create a plan that includes health insurance, income protection, and any other coverage that fits your needs.

  • A: It depends on your age, health, income, and goals—but we’ll help you find the most cost-effective options available. Often, people are surprised by how much they can protect with even a modest budget.

  • A: These policies vary in cost, duration, and features. Term life covers you for a specific period, while whole and universal life offer lifelong coverage with added savings components. We’ll walk you through the pros and cons of each so you can decide what’s right for you.

  • A: Often, yes. Employer-provided policies typically offer limited coverage and don’t move with you if you leave your job. We can help you understand what you have—and whether you need additional protection to fully safeguard your loved ones.

  • A: Income protection (like disability insurance) helps replace your income if you’re unable to work due to injury or illness. If you're self-employed or rely on one income, this can be a financial safety net during a tough time.

  • A: We start with a free, no-pressure consultation. From there, we’ll help you assess your needs, review plan options, and guide you step-by-step through enrollment. You’ll never have to guess what’s next.

  • A: That’s exactly what we’re here for. We love helping people understand their options and make informed decisions—whether you’re ready to enroll or just looking for clarity.