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(574) 536-1697
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Life · Health · Medicare · Business owners
Protect your family, your health and your business, with an agent here in Elkhart who picks up the phone.
Julia Fisher is an independent agent licensed in seven+ states. She can shop hundreds of life insurance companies and the major health and Medicare carriers, explain your options in plain English, and help you enroll. Her help costs you nothing.
Term or permanent life insurance, plus long-term care
Health coverage if you're self-employed, between jobs or under 65
Medicare when you turn 65, and a plan review every fall
Coverage for business owners and their teams
Julia FisherLicensed in IN, MI, OH, KY, TN, VA and FL · IN license #3899154
Get a free quote
1. Your coverage2. Your contact info
Thanks, you're all set.
Julia will reach out within one business day, usually much sooner. Want to pick a time instead?
★★★★★ Google reviews live count at launchPlans fromAnthemUnitedHealthcareHumanaAetnaDevotedAmbetterand morecarrier logos need carrier approval
How Julia helps
Four ways Julia helps, one person to call
Life insurance
Term and permanent life insurance, plus long-term care coverage. Julia can shop hundreds of insurance companies to find the right fit and price for your family.
Marketplace plans for individuals and families under 65 with carriers like Anthem, Ambetter and Blue Cross Blue Shield of Michigan, plus short-term medical when you need a bridge.
Health coverage options for you and your team, including newer approaches like ICHRA, and life insurance that protects the business you've built. draft
Pick a time online or call. In person, by phone or on video, whichever is easiest for you.
Explore your options
Julia compares plans side by side using your doctors, prescriptions and budget.
Choose with confidence
She handles the enrollment paperwork and stays your contact for questions and annual reviews.
Dates to know
Enrollment windows this season
Special enrollment periods apply after events like moving, losing coverage or retiring. Ask Julia if one applies to you.
Your agent
"Helping my clients protect what they value most isn't just my job. It's my purpose."
I'm Julia Fisher, a licensed health and life insurance professional with over 25 years of entrepreneurial experience. I help you find where you may be overspending or missing opportunities, then build coverage that fits your life, from your family's health plan to the life insurance that protects the people you love.
Send their name and Julia will reach out with a friendly, no-pressure call. Most of Julia's new clients come from people like you.
Life insurance
The people who count on you deserve a plan that doesn't depend on you being here.
Life insurance replaces your income, pays off the house and covers the bills if something happens to you. Julia can shop hundreds of insurance companies to find coverage that fits your family and your budget.
A quick estimate using what your family would need to cover. Adjust the numbers to match your life.
Your estimate
$0
A rule-of-thumb estimate, not a recommendation. Julia will look at your full picture before suggesting an amount.
Your options
Term, permanent and long-term care, in plain English
Term life
Covers you for a set number of years, often 10 to 30. If you pass away during the term, your family gets the payout.
Usually the lowest cost per dollar of coverage
Fits the years your income matters most
Some policies can convert to permanent later
Often a fit for: young families, mortgages, income replacement
Permanent life
Whole life and universal life last your entire life as long as premiums are paid, and many build cash value over time.
Coverage that doesn't expire
Cash value you may be able to borrow against
Costs more than term for the same amount
Often a fit for: lifelong needs, estate plans, final expenses, business owners
Long-term care
Helps pay for in-home care, assisted living or a nursing home if you need help with daily activities. Some life policies include long-term care benefits.
Protects savings from care costs
Standalone or combined with life insurance
Easier to qualify for when you're younger
Often a fit for: people in their 40s to 60s planning for retirement
For business owners
Protect the business you've built
Life insurance can keep a business running if an owner or key person passes away.
Key person coverage pays the business if someone essential is lost, to cover hiring and lost revenue
Buy-sell funding lets surviving partners buy out an owner's share from their family
Loan protection helps pay off business debt so it doesn't fall on your family
Talk it through with Julia
Bring a rough idea of your business debts, partners and key people. Julia will map out what coverage could look like, with no obligation.
Your age, health basics, budget and who you want to protect. A short call or the form below.
Compare real quotes
Julia shops companies that fit your situation, including options that may not need a medical exam.
Apply and get approved
She guides you through the application and stays with you until the policy is in force.
Free life insurance quote
See what coverage could cost you
Takes about a minute. Julia will reach out with options from the companies that fit you best.
No obligation and no cost for Julia's help
Term, permanent and long-term care options
No-exam options may be available
Questions people ask Julia
Life insurance FAQ
Isn't the life insurance through my job enough?
It's a good start, but workplace coverage is often only one or two times your salary, and it usually ends if you leave the job. Many people add a personal policy they own and keep no matter where they work.
Do I need a medical exam?
Not always. Some companies offer policies based on health questions and records instead of an exam. Julia can tell you which options fit your age, health and coverage amount.
How much does life insurance cost?
It depends on your age, health, tobacco use, the amount and the type of policy. Term coverage for a healthy adult is often less than people expect. The fastest way to know is a quote.
Should I get term or permanent?
Term covers the years your family depends most on your income, at a lower price. Permanent lasts your whole life and can build cash value. Many families use a mix. Julia will walk through both.
What if I have a health condition?
You may still qualify. Each company looks at health differently, which is why shopping many companies matters. Julia can match you with companies more likely to approve you at a good rate.
Does it cost more to work with Julia?
No. Independent agents are paid by the insurance company, and policy prices are generally the same whether you buy through an agent or directly.
Health insurance
Health coverage when it doesn't come with a job.
Self-employed, between jobs, retiring early or covering your family on your own? Julia compares Marketplace and short-term plans, checks what savings you qualify for, and handles the enrollment with you.
Business owners, contractors, gig workers and anyone buying their own plan.
Between jobs
Lost coverage at work? That usually opens a special enrollment window for 60 days.
Retiring before 65
A bridge to Medicare so you're never without coverage.
Families
Coverage for you, your spouse and kids, with savings based on household income.
Your options
Marketplace plans and short-term medical
Marketplace (ACA) plans
Full health coverage that can't turn you down for pre-existing conditions. Many people qualify for tax credits that lower the monthly premium.
Carriers Julia works with include Anthem, Ambetter and Blue Cross Blue Shield of Michigan, depending on your state
Covers preventive care, prescriptions, hospital stays and more
Enroll during Open Enrollment or after a life event
Often a fit for: most people buying their own coverage
Short-term medical
Temporary coverage for gaps, like waiting on a new job's benefits. Julia works with National General (Allstate), UnitedHealthcare and Pivot Health.
Can often start within days
May not cover pre-existing conditions
Not a replacement for full coverage, and length limits apply
Often a fit for: short gaps between other coverage
Plan levels
Bronze, Silver, Gold: what the metals mean
Marketplace plans are grouped by how costs are split between you and the plan. The metal says nothing about the quality of care.
Level
Monthly premium
Costs when you get care
Often a fit if you
Bronze
Lowest
Highest
Are healthy and want protection from big bills
Silver
Moderate
Moderate, and can be lower if your income qualifies for extra savings
Qualify for cost-sharing help, or want a middle ground
Gold
Higher
Lower
See doctors often or take regular prescriptions
Platinum
Highest
Lowest
Expect a lot of care (not offered everywhere)
Timing
Open Enrollment for 2027 coverage runs Nov 1 to Jan 15
In most states, enroll by December 15 for coverage that starts January 1. Some states that run their own marketplace set slightly different dates. Outside Open Enrollment, a life event like losing coverage, moving, marriage or a new baby can open a 60-day window.
Your best estimate of next year's household income
Doctors you want to keep
Prescriptions you take
Free health insurance quote
Find out what you'd pay, including savings
Julia will check your eligibility for tax credits and compare plans that include your doctors.
For business owners
Take care of your team, and protect the business you've built.
Julia helps small business owners offer health benefits without a traditional group plan, cover their own family, and use life insurance to keep the business standing if something happens to an owner or key person. draft
With an Individual Coverage HRA, your business sets a monthly allowance and reimburses employees, tax-free, for the individual health plans they choose. You control the budget. Your team picks coverage that fits them.
Predictable cost
You set the allowance, so there are no surprise renewal increases on a group plan.
Employee choice
Each person picks the plan, doctors and coverage level that work for their family.
Any size business
Works for small teams, and allowances can differ by employee class, like full-time and part-time.
Julia helps your team
She can help employees choose and enroll in their individual plans.
Rules apply to ICHRA setup, employee classes and notices. Julia will walk through what fits your business, and your tax advisor can confirm the tax details.
How Julia helps owners
Three ways to protect your people and your business
Benefits for your team
ICHRA and other reimbursement options that let you offer health benefits on a set budget.
Share a few details and Julia will reach out to set up a no-obligation conversation.
Medicare made plain
Medicare help for Elkhart County, from someone who explains it twice if you need it.
Whether you're turning 65, retiring later, or just want to check your plan still fits, Julia walks you through it one step at a time.
Please read: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. wording to confirm with Julia's compliance contact
It starts 3 months before the month you turn 65 and ends 3 months after. Signing up early in the window means coverage starts on time.
3 mo before
2 mo before
1 mo before
Birthday month
1 mo after
2 mo after
3 mo after
Window opensBest time to enroll: before your birthday monthWindow closes
The big choice
Medicare Advantage or a Supplement?
Medicare Advantage (Part C)
Medicare Supplement (Medigap) + Part D
How it works
A private plan replaces Original Medicare and often bundles drug coverage.
Keeps Original Medicare and adds a policy that pays much of what Medicare doesn't. Drug coverage is a separate Part D plan.
Monthly cost
Often low, sometimes $0 beyond your Part B premium.
Higher monthly premium, more predictable costs when you use care.
Doctors
Usually a network. Check that your doctors are in it.
Any doctor in the U.S. who accepts Medicare.
Extras
Many plans include dental, vision or hearing benefits.
Generally not included.
Changing later
You can switch each fall during Annual Enrollment.
Switching later may require health questions, so timing matters.
General education only. Plan details vary by company and ZIP code. Julia will go over the specific plans she offers in your area.
Do it yourself, or with Julia
How to compare Part D drug plans on Medicare.gov
Shopping for a Part D plan can feel overwhelming. Medicare.gov gives you a step-by-step way to narrow your options. video version from Julia's script coming
Go to Medicare.gov. In the box labeled "Health and Drug Plans," click "Find Plans Now."
Enter your ZIP code and click Continue. Logging in to your Medicare account is optional.
When asked what type of plan you want, choose "Medicare drug plan (Part D)." This is stand-alone drug coverage.
Answer whether you get help with Medicare health or drug costs, then click Continue.
Choose whether to see your drug costs. If yes, have each prescription's name, dosage, quantity and how often you take it ready.
On the comparison page, use the filters to compare monthly premiums, deductibles, preferred pharmacies, drug coverage and estimated yearly costs.
The goal isn't just any plan. It's the plan that fits your prescriptions, your pharmacy and your budget. Prefer to have someone do it with you? Book a free review with Julia.
Already on Medicare?
Plans change every year. A free review each fall keeps yours working for you.
Premiums, drug lists and doctor networks can change on January 1. Julia checks yours against what's new and tells you if switching makes sense.
"Helping my clients protect what they value most isn't just my job. It's my purpose."
I'm Julia Fisher, a licensed health and life insurance professional with over 25 years of entrepreneurial experience and a heartfelt passion for making a difference in the lives of my clients. My work goes far beyond insurance. I see it as a way to empower you with the tools and knowledge needed to take control of your financial future.
I specialize in helping you navigate the often-overwhelming world of insurance benefits and financial planning. By uncovering areas where you may be unknowingly overspending or missing opportunities, I help optimize your financial strategy to create a secure, lower-tax retirement plan. Whether it's finding the right health insurance for your family, customizing a Medicare plan, or ensuring your loved ones are protected with life insurance, I take pride in delivering tailored solutions that fit your life.
With an unwavering commitment to making a positive impact, I aim to provide clarity, confidence and peace of mind every step of the way. It's an honor I don't take lightly. Let's work together to build the security and stability you deserve.
Calls and messages returned within one business day, usually the same day.
No pressure
You'll get options and a recommendation. The decision is always yours.
Here after you enroll
Billing questions, claim confusion, plan changes: you keep the same person to call.
Part of the community
Julia shows up for the women building businesses around Elkhart
You'll find her at local women's networking events, dinners and meetups. Plenty of her clients started as friends she met there, and they call her because they already know her. Julia to name the groups
Get an OK from everyone pictured before launch.
Always learning
Staying current so you don't have to
Insurance rules change every year. Julia attends industry sessions, like this HRA Council event on ICHRA, a newer way employers can help pay for individual health plans, so she can explain what's new in plain English.
Julia (right) at an HRA Council session. confirm OK from the colleague pictured
Free, no obligation
Book a call with Julia
You're booked.
Need to change it? Call or text Julia at (574) 536-1697.
Prefer to reach out directly?
Call, text or email any time
Phone(574) 536-1697
Emailjulia@jewelinsuranceagency.com
Office1709 E. Bristol Street, Suite BElkhart, Indiana 46514
HoursMonday, Wednesday and Friday, 9:00 am to 4:00 pm
Legal
Privacy Policy
Effective date: October 16, 2026 · Jewel Insurance Agency · draft for attorney or compliance review
Jewel Insurance Agency ("Jewel," "we," "us") is an independent insurance agency owned by Julia Fisher, a licensed insurance agent based in Elkhart, Indiana. This policy explains what information we collect through jewelinsuranceagency.com, how we use it, and the choices you have. We wrote it in plain English on purpose.
Information we collect
Information you give us when you request a quote, book a call, chat with our website assistant, download a guide, sign up for emails or refer a friend:
Name, phone number, email address and ZIP code
Age range and the type of coverage you're interested in
Appointment details and the topics you want to discuss
Questions you type into the chat assistant
For referrals, the name and contact information of the person you refer, which you confirm they agreed to share
Please don't enter Social Security numbers, Medicare numbers, bank details or health information on this website. If an application needs that information, Julia will collect it directly and securely through the insurance company's own enrollment process.
Information collected automatically, such as your browser type, device, pages visited and the site that referred you. We use privacy-focused analytics to understand which pages help people, not to build advertising profiles.
How we use your information
To respond to your request, prepare quotes and schedule appointments
To contact you by phone, text or email about the insurance topics you asked about, when you've given consent
To send our newsletter and helpful guides, if you subscribe
To help you apply for coverage with the insurance companies we represent
To keep records required by state insurance regulators, the Centers for Medicare & Medicaid Services (CMS) and insurance carriers
To improve our website and protect it from spam and misuse
Who we share it with
We do not sell your personal information. We share it only as needed to serve you:
Insurance companies you choose to get a quote from or apply with
Service providers that run our website and tools, such as website hosting, email marketing, scheduling, text alerts and the AI service that powers our chat assistant. They may use your information only to provide their service to us.
Our marketing organization (FMO) and regulators when required for compliance, licensing or audits
When required by law, such as a subpoena or court order
Text messages
If you agree to receive text messages, we'll text you about your quote, appointment or insurance questions. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time or HELP for help. Consent to receive texts is not a condition of buying any product.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent are never shared with any third party.
Email
Every marketing email includes an unsubscribe link. Unsubscribing from marketing emails won't stop messages about an active quote, application or policy.
Website chat assistant
Our chat assistant uses artificial intelligence to answer general questions. It does not give personalized insurance advice, recommend specific plans or quote prices. Chat conversations may be saved so Julia can follow up and so we can improve the assistant's answers. Please don't share sensitive personal or health information in the chat.
Cookies
We use a small number of cookies and similar tools to keep the site working, prevent spam and measure visits. You can block or delete cookies in your browser settings. Some features may not work without them.
How we protect and keep your information
We use reasonable administrative, technical and physical safeguards, including encrypted connections (HTTPS) and limited access to records. We keep information as long as needed to serve you and as long as insurance and Medicare record-keeping rules require, then delete it securely. No website can promise perfect security.
Your choices and rights
Ask what information we have about you, and ask us to correct it
Ask us to delete it, unless we're required to keep it by law or insurance regulations
Opt out of texts (reply STOP), emails (click unsubscribe) or calls (just tell us)
Depending on where you live, state privacy laws may give you additional rights. Insurance-related information is also protected under the Gramm-Leach-Bliley Act and state insurance privacy laws. To make a request, contact us using the details below. We'll respond within 45 days.
Children
This website is not intended for children under 13, and we do not knowingly collect their information.
Changes to this policy
We may update this policy from time to time. The effective date at the top shows when it last changed.
Contact us
Jewel Insurance Agency · Julia Fisher, licensed insurance agent 1709 E. Bristol Street, Suite B Elkhart, Indiana 46514 Phone: (574) 536-1697 Email: julia@jewelinsuranceagency.com
Legal
Terms of Use
Effective date: October 16, 2026 · Jewel Insurance Agency · draft for attorney or compliance review
By using jewelinsuranceagency.com, you agree to these terms. If you don't agree, please don't use the site.
Who we are
Jewel Insurance Agency is an independent insurance agency owned by Julia Fisher, a licensed insurance agent. Indiana resident license #3899154, National Producer Number (NPN) 20709262. Julia is also licensed in Michigan, Ohio, Kentucky, Tennessee, Virginia and Florida. We can only offer products in states where we hold a license and an appointment with the insurance company.
Educational information only
Content on this website, including articles, guides, checklists and chat assistant answers, is general information. It is not legal, tax or financial advice, and it is not a recommendation of any specific policy. Coverage, benefits, prices and availability vary by insurance company, plan, state and ZIP code, and can change each year.
No coverage until approved
Submitting a form, booking a call or chatting with our assistant does not apply for, bind or change any insurance coverage. Coverage begins only when the insurance company approves your application and issues a policy, according to that policy's terms. Any quote or estimate is not final until the insurance company confirms it.
Medicare
Jewel Insurance Agency is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
How we're paid
As an independent agent, Julia is typically paid a commission by the insurance company you choose. You don't pay extra for her help, and plan premiums are generally the same whether you enroll through an agent or directly.
Consent to contact
When you check a consent box on this site, you agree that Jewel Insurance Agency may contact you at the phone number and email you provided, including by text message, about the topics you requested. Consent is not required to buy any product. You can withdraw consent at any time by replying STOP to a text, unsubscribing from an email, or telling us. See our Privacy Policy for details.
AI chat assistant
The chat assistant uses artificial intelligence to answer general questions. It may make mistakes, and its answers are not insurance advice. Always confirm details with Julia before making a decision.
Using this website
Provide accurate information and only submit referrals for people who have agreed to be contacted
Don't misuse the site, attempt to break its security, or submit spam
Website content, including text, photos and the Jewel Insurance logo, belongs to Jewel Insurance Agency or its licensors and may not be copied without permission
Links to other websites
We may link to sites such as Medicare.gov or insurance company websites. We aren't responsible for their content or privacy practices.
Limitation of liability
This website is provided "as is." To the fullest extent allowed by law, Jewel Insurance Agency is not liable for any damages arising from your use of the website or reliance on its general information. Nothing in these terms limits any duty we owe you as your licensed insurance agent.
Governing law
These terms are governed by the laws of the State of Indiana.
Changes
We may update these terms. The effective date at the top shows when they last changed.
Contact
Questions about these terms? Call (574) 536-1697 or email julia@jewelinsuranceagency.com.
Julia's AssistantAnswers basics now · Julia follows up personally
