Not much — but bringing a few key details can help us make the most of your time.

You don’t need to prepare anything formal, but for financial consultations, it really helps to come with ballpark figures for things like:

• Your income
• Any outstanding debt
• Current savings or retirement accounts
• Existing life insurance or investment policies

For health insurance appointments, it’s helpful if you know:

• Your preferred doctors or providers
• Any prescriptions you currently take
• What kind of coverage you’re hoping to find

We’ll guide the conversation either way — but the more you can share upfront, the faster we can zero in on the right strategies for you.

Think of it as bringing the puzzle pieces — we’ll help you fit them together.

Insureous is a fully licensed health, life and annuities agency, with access to over 100 A-rated carriers. Our team brings decades of combined experience, and we’re proud to serve clients across the U.S.

You’re not just getting a quote — you’re getting guidance from professionals who care.

The initial consultation is completely free, with no obligation. All of the solutions we recommend — such as insurance plans or financial tools — are commission-based, meaning there’s no extra charge to you for working with us. Transparency is one of our core values — no surprises, just support.

Your consultation is a 30-minute Zoom session designed to give you clarity and next steps.
For most clients, we use this first meeting to understand your current situation, goals, and priorities. Then, we take that information and do the necessary research to find the most suitable options tailored just for you — which we typically present during a follow-up meeting.

For health insurance, the process is often more straightforward and we’re usually able to recommend and even complete a plan selection during the first call.

We’re all about education. No pressure, no sales pitch — just helpful insights and expert guidance.

At Insureous, we don’t believe in one-size-fits-all solutions or high-pressure sales tactics. What sets us apart is our educational, empathetic, and highly personalized approach.

We take time to truly understand your needs, explain your options in plain language, and guide you toward strategies that are aligned with your life—not just your numbers.

Our President, Shelia Gerstner, brings a unique blend of expertise as both a licensed insurance professional and a licensed social worker.

That means every client conversation is rooted in care, empathy, and real-world problem-solving—not just product knowledge.

Shelia’s background allows us to go beyond the surface: helping clients through complex transitions and even connecting them with community resources when needed.

When you work with Insureous, you’re not just getting expert advice — you’re gaining a thoughtful partner who genuinely cares about your health, finances, and future.

We work with a wide range of clients across different life stages, including:

• Individuals and families
• Retirees and pre-retirees
• Small business owners and self-employed professionals
• Whether you’re planning for retirement, choosing health coverage, or exploring tax-advantaged strategies, we’re here to help you make confident, informed decisions.