Insurance built for the self-employed — not just the 9‑to‑5.
MKW Insurance Group specializes in life and health coverage for freelancers, gig workers, real-estate agents, drivers, consultants, and small-business owners. No HR department needed — just real protection at a price that fits your hustle.
Coverage designed for how 1099 work really happens
You don't have a benefits package handed to you — so we build one around your income, family, and goals.
Individual & Family Health
ACA marketplace, private PPO, and short-term plans that travel with you between contracts and clients.
Term & Whole Life
Income protection for your family and business partners — from simple 20-year term to cash-value whole life.
Dental, Vision & Supplemental
Round out your coverage with dental, vision, accident, hospital indemnity, and critical-illness plans.
Disability & Income Protection
If you can't work, your income shouldn't disappear. Short- and long-term disability tailored to 1099 income.
Retirement & Annuities
SEP IRAs, Roth IRAs, and fixed annuities to build a retirement plan when nobody's matching your 401(k).
Final Expense & Medicare
Protect loved ones from end-of-life costs and navigate Medicare Advantage, Supplement, and Part D plans.
We work for you — not the insurance company.
As an independent agency, we shop dozens of top-rated carriers to find the right combination of price, network, and benefits for your situation. No pressure, no fine-print surprises, no quotas.
- ✓ Built for 1099 income We understand variable income, write-offs, and how to make premiums fit your real cash flow.
- ✓ One advisor, every year You'll have a dedicated agent for renewals, claims, and life changes — not a different rep every call.
- ✓ 50+ carriers, one meeting We do the comparison work so you can stop juggling quote websites and confusing plan brochures.
- ✓ Always free to compare Our service costs you nothing — we're paid by the carrier you ultimately choose.
Get covered in three simple steps
No paperwork mountains. No medical exam for most policies. Just a clear path from first call to first ID card.
Tell us about you
Share a few details about your work, family, and what you'd like to protect. Takes about two minutes.
Compare real options
Your dedicated MKW advisor shops the market and walks you through the best two or three plans for your situation.
Enroll with confidence
We handle the application, follow up with the carrier, and stay on call for renewals, claims, and life changes.
Trusted by independent professionals
As a real-estate agent my income jumps around. MKW found me a health plan that actually works during slow months — and explained every line.
I'm a freelance designer. They set up health, dental, and a 20-year term policy for less than I expected. Easiest insurance experience I've had.
Driving rideshare full-time, I had zero benefits. MKW got my family covered and walked us through everything without any pressure.
Common questions from 1099 workers
I'm self-employed. Can I really get the same quality of coverage as someone with a job? +
Yes — and often more flexible coverage. We work with the same major carriers used by employer plans (UnitedHealthcare, Cigna, Aetna, and others). The difference is that you own the plan, so it follows you between gigs.
How much does life or health insurance for a 1099 worker actually cost? +
It depends on your age, household, location, income, and tobacco use. Many of our clients qualify for ACA subsidies that significantly reduce health-plan premiums, and 20-year term life often starts under $25/month. We'll show you exact numbers — no obligation.
Can I deduct my health insurance premiums on my taxes? +
Most self-employed individuals can deduct 100% of their health insurance premiums above the line on their tax return (subject to IRS rules). We're not tax advisors, but we'll make sure your CPA has what they need.
Do I need a medical exam for life insurance? +
For many of our 1099 clients, no. We offer simplified-issue and accelerated-underwriting policies that approve qualified applicants in days, not weeks — without lab work.
What does this cost me? +
Nothing. There's no fee to talk with an MKW advisor or to compare quotes. We're compensated by the carrier you choose if and when you enroll.
Ready to protect your income and your family?
Get a free, no-pressure quote from a licensed MKW advisor today.