Independent insurance agency
Secure Your Future Without the Confusion.
Personalized, no-cost guidance through Medicare, health, life and retirement income decisions — explained in plain language, at your pace.
Consultations available in English and Spanish.
(313) 850-6033
A calmer way to choose coverage
Schram Insurance Planning is an independent agency led by Daniel Schram. Independent means the conversation starts with your situation — your doctors, your budget, your family — instead of a single company's product list.
There is no cost to talk. You will get straight answers, a clear comparison of appropriate options, and time to think before you decide anything.
Daniel's approach
Daniel became an insurance agent for one simple reason: he enjoys helping people solve problems. Since 2012 he has seen how daunting the insurance market can be for families and seniors, and he knew there had to be a better way than the one-size-fits-all approach.
That led him to launch his independent agency in 2015. Being independent means he works for you, not the insurance carriers.
How we can help
Every category below starts with the same thing: a conversation about what you actually need.
Medicare
Understand Parts A, B, C and D and the enrollment windows that apply to you.
Learn moreMedicare Advantage
Bundled Part C plans, networks, extra benefits and what to check before enrolling.
Learn moreMedicare Supplement
Medigap plans that pay the gaps in Original Medicare, with nationwide doctor freedom.
Learn moreIndividual & Family Health / ACA
Marketplace and off-exchange coverage for people without a plan through work.
Learn moreLife Insurance
Term, whole and final expense coverage sized to what your family would actually need.
Learn moreLong-Term Care
Planning for extended care at home or in a facility before it becomes urgent.
Learn moreAnnuities & Retirement Income
Turning savings into income you can count on, with the trade-offs made clear.
Learn more
How it works
Three steps, no pressure, no cost to talk.
- 01
1. Book a conversation
Pick a time that works for you — by phone, video, or in person. Tell us the language you prefer.
- 02
2. Review your situation
We talk through your doctors, prescriptions, budget and priorities so nothing important gets missed.
- 03
3. Compare and decide
You see appropriate options side by side in plain language, and you decide when you are ready.
Why work with an independent agency
The difference shows up in the questions we ask before we ever mention a plan.
Options from multiple carriers
As an independent agency we can compare appropriate options from the carriers we are appointed with, rather than one company's lineup.
One person who knows your file
You work with Daniel directly — not a rotating call-center queue — and you can reach him again at renewal.
Plain-language explanations
Deductibles, networks, elimination periods and enrollment windows explained without jargon, as many times as you need.
No cost for the consultation
Reviewing your situation and comparing options costs you nothing.
Carrier partners
Carriers we work with. Availability of specific plans depends on your location, eligibility and the current plan year.
- Aetna
- Blue Cross
- HAP
- Humana
- Molina
- United Healthcare
- United American
- United of Omaha
- Wellcare
Atención en español
Prefer to talk in Spanish? Tell us on any form or when you call, and we will make sure a Spanish-speaking representative handles your request from the first conversation to enrollment.
Ready when you are
Schedule a no-cost consultation with Daniel and get a clear picture of your options — with no obligation to enroll.