MKW MKW Insurance Group Life & Health for 1099 Pros
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Coverage built for the self-employed

Independent workers face a unique challenge: no employer-provided benefits. We solve that with flexible, portable plans you actually own.

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Health Insurance for 1099 Workers

Most popular

Comprehensive medical coverage with no employer required. We compare ACA marketplace plans, private PPO options, short-term medical, and health-share alternatives so you get the best fit for your network, doctors, and budget.

→ Bronze, Silver, Gold & Platinum ACA plans
→ Income-based premium subsidies (most clients qualify)
→ Private PPO plans with broad national networks
→ Short-term medical between gigs or open-enrollment periods
→ HSA-compatible high-deductible options
→ Telehealth included on most plans
→ Prescription & mental-health coverage
→ Family plans, dependents up to age 26
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Life Insurance — Term & Whole

Income protection

Replace your income, pay off debts, fund your kids' education, or buy out a business partner. As an independent worker, you're the entire safety net for your family — life insurance changes that.

→ Term Life: 10, 15, 20, or 30-year terms
→ Coverage from $50,000 to $5,000,000+
→ No-medical-exam options for qualified applicants
→ Conversion riders to switch term → permanent later
→ Whole Life: lifetime coverage with cash value
→ IUL: Indexed Universal Life with growth potential
→ Living benefits (chronic, critical, terminal illness)
→ Final-expense plans for ages 50–85
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Dental, Vision & Supplemental

Add-on

Round out your coverage with affordable dental, vision, and supplemental health products that pay you cash directly when something happens.

→ Dental PPO & HMO — preventive, basic, major, ortho
→ Vision plans with frame, lens, and contact allowances
→ Accident insurance — ER, fractures, sprains
→ Hospital indemnity & critical-illness lump-sum policies
→ Cancer & heart-attack/stroke insurance
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Disability & Income Protection

For 1099 income

If you're hurt or sick and can't work, your income disappears. Disability insurance replaces a portion of your monthly income so your bills, mortgage, and family stay protected.

→ Short-term disability (3–6 months of benefits)
→ Long-term disability (up to age 65 or 67)
→ Own-occupation policies for skilled professionals
→ Benefits paid tax-free when you fund the premium
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Retirement & Annuities

Plan ahead

No employer 401(k) match? You can still build a strong retirement plan. We help 1099 workers establish self-employed retirement accounts and guaranteed-income annuities.

→ SEP IRA & SIMPLE IRA setup guidance
→ Solo 401(k) options for owner-only businesses
→ Roth & Traditional IRA strategies
→ Fixed & fixed-indexed annuities for guaranteed lifetime income
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Medicare & Final Expense

Age 64+

Turning 65 or helping a parent navigate Medicare? We make it simple — no jargon, no scare tactics, just the right plan for your doctors and prescriptions.

→ Medicare Advantage (Part C) plan comparisons
→ Medicare Supplement (Medigap) Plans G, N, & more
→ Part D prescription drug plans
→ Final-expense whole life from $5,000–$50,000

Not sure what you need?

A 15-minute call with a licensed MKW advisor will get you clarity — for free.

Talk to an Advisor