Services
What I Can Help With
We’ll start with what you can comfortably afford and work from there.
Final Expense Insurance
Final expense insurance is a smaller whole life policy designed to help pay for a funeral, burial or cremation, and other end-of-life bills. Premiums are typically fixed, and coverage lasts as long as premiums are paid. Many policies use a short application instead of a medical exam.
Who it’s for
- People who want to spare their family funeral costs
- People on a fixed or modest budget
- Anyone who wants simple, lifelong coverage
Learn more: What Is Final Expense Insurance?
Term Life Insurance
Term life insurance covers you for a set number of years, such as 10, 20, or 30. It is usually the lowest-cost way to get a larger amount of protection. If the term ends, the coverage ends.
Who it’s for
- Families who depend on your income
- People paying off a mortgage or other debts
- Anyone who wants the most coverage for the cost
Learn more: Term Life Insurance · How Much Life Insurance Do I Need?
Whole Life Insurance
Whole life insurance is permanent coverage designed to last your entire life, as long as premiums are paid. Premiums are typically level, and the policy builds cash value over time that you may be able to borrow against.
Who it’s for
- People who want coverage that never expires
- Those planning to leave money to loved ones
- Anyone who values steady, predictable premiums
Learn more: Permanent Life Insurance
Annuities
An annuity is a contract with an insurance company that can help protect savings and turn them into income. Some offer a guaranteed rate, some offer growth linked to a market index, and some provide income for life. Annuities are long-term products, and early withdrawals may carry surrender charges.
Who it’s for
- People nearing or in retirement
- Savers who want protection from market loss
- Anyone who wants guaranteed income options, based on the contract terms and the claims-paying ability of the issuing company
Learn more: What Is an Annuity? · MYGA and SPIA Annuities · Fixed vs. Fixed Indexed
Long-Term Care
Long-term care is help with everyday activities like bathing or dressing, at home or in a facility. Planning ahead gives you more choices about how you’d pay for care. Options include stand-alone coverage and life insurance or annuities with care features.
Who it’s for
- People who want to protect their savings
- Those who want a say in where they receive care
- Families planning ahead for aging parents or themselves
Learn more: What Is Long-Term Care?
Indexed Universal Life
Indexed universal life (IUL) is permanent life insurance that builds cash value. Interest credited to the cash value is linked to the performance of a market index, with a cap on gains and a floor that helps protect against losses. Premiums can be flexible within limits. IUL is life insurance, not an investment, and policy charges and fees apply.
Who it’s for
- People who want lifelong coverage with flexible premiums
- Families planning to leave money to loved ones
- Anyone who wants cash value with protection from market loss
Hospital Indemnity
Hospital indemnity insurance pays a set cash benefit directly to you when you have a covered hospital stay. You can use the money however you need, such as deductibles, copays, or bills at home. It works alongside your health coverage and is not a replacement for major medical insurance.
Who it’s for
- People with high deductibles or copays
- Anyone who wants extra cash during a hospital stay
- People who want to protect their savings from surprise costs
Dental, Vision & Hearing
Dental, vision and hearing coverage helps pay for routine care that many health plans, including Original Medicare, don't fully cover. That can include cleanings, fillings, eye exams, glasses or contacts, and hearing exams or hearing aids. Waiting periods and benefit limits may apply.
Who it’s for
- People whose health plan doesn't cover routine dental, vision or hearing
- Retirees who lost employer coverage
- Anyone who wants help with the cost of glasses or hearing aids
Medicare Advantage (Part C)
Medicare Advantage is an alternative way to get your Part A and Part B coverage through a private plan approved by Medicare. Many plans use provider networks, and many include Part D prescription drug coverage. Costs and networks vary by plan and can change each year.
Who it’s for
- People new to Medicare comparing their coverage options
- People reviewing their coverage during the Annual Enrollment Period (October 15 to December 7)
Learn more: Medicare Advantage (Part C): A Plain-Language Overview
Medicare Supplement (Medigap)
A Medicare Supplement (Medigap) policy works alongside Original Medicare and can help pay some out-of-pocket costs, such as deductibles and coinsurance. Plans are standardized and identified by letters. Medigap can’t be used with a Medicare Advantage plan.
Who it’s for
- People with Original Medicare (Parts A and B)
- People in their 6-month Medigap Open Enrollment Period, which starts when they are 65 or older and enrolled in Part B
Learn more: Medicare Supplement (Medigap): A Plain-Language Overview · Switching Rules
Chris Gavrel is a licensed agent. Chris Gavrel is not affiliated with or endorsed by the U.S. government or the federal Medicare program. Medicare plans are offered only in states where Chris is licensed for health insurance (AL, AZ, FL, GA, IA, IN, KS, KY, MD, MI, MN, NC, OH, OK, OR, PA, TX, UT, VA). A Scope of Appointment is completed before any Medicare plan discussion.
Coverage, eligibility, and pricing vary by carrier, age, and state. Annuities are not FDIC insured; guarantees are backed by the claims-paying ability of the issuing insurer.
Why Work With an Independent Licensed Insurance Agent
Many Carriers
I compare options from multiple insurance companies, not just one.
Built Around Your Budget
I’d rather you have a policy you can keep than a big one you drop.
No Pressure
Take all the time you need. I won’t push.
Help for Your Family
If something happens to you, your family can call me. I’ll help them figure out what to do next.
How It Works
Here’s how it usually goes.
Call or schedule
Reach out by phone or pick a time that works for you. In-person meetings available in Richmond by appointment.
We review your needs and budget
We’ll talk about what you want the coverage to do and what fits your budget.
I shop carriers and you choose
I compare options from multiple carriers. You make the decision, with no pressure.
Free Guides
Not ready to talk yet? Start with one of the free guides in my Gavrel Guidance planning system for planning your family’s future and your retirement. Request your free guides →