Independent agent since 2015
About Daniel Schram
I became an insurance agent for one simple reason: I enjoy helping people solve problems. Since 2012, I've seen how daunting the insurance market can be for families and seniors. I knew there had to be a better way than the 'one-size-fits-all' approach.
That led me to launch my independent agency in 2015. Being independent means I work for you, not the insurance carriers. Whether you are turning 65 or protecting your family's financial legacy, I am here to cut through the noise and build a safety net that actually fits your life.
What independent means for you
An independent agency can compare appropriate options from multiple carriers and walk you through complex insurance decisions step by step.
It does not mean every carrier or every plan is available, and no agent can guarantee eligibility, savings, coverage or approval. What you can expect is an honest comparison of the options that fit your situation.
- Aetna
- Blue Cross
- HAP
- Humana
- Molina
- United Healthcare
- United American
- United of Omaha
- Wellcare
How I work
Questions before products
The first conversation is about your doctors, your prescriptions, your budget and your family — not a plan pitch.
Plain language
If something isn't clear, we slow down. There is no such thing as a question that is too basic.
No pressure
You will never be rushed into a decision. Take the information home and think about it.
Still here at renewal
Coverage needs change. I want to be the person you call next year, not just this year.
Ready when you are
Schedule a no-cost consultation with Daniel and get a clear picture of your options — with no obligation to enroll.