Finding Savings

For the Community

Whether you’re protecting your health, your home, or supporting aging parents with Medicare, every stage of life comes with benefits that matter. And too often, people miss out on them simply because no one took the time to show what they already qualify for.

We’re funded to serve, not to sell — which means our focus is on helping you access the benefits that truly fit your needs and return value back to you. From income‑based savings to cash‑back style protection options, we review your situation carefully to uncover any unclaimed benefits you may not have known existed.

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Getting covered is easy!

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Apply Online

Kick off the process with a simple online application, available 24/7 for your convenience.

We get straight to work

With our streamlined process, we can quickly determine your eligibility across programs offering financial aid.

Meet your Advisor

Discuss the final details, review the terms, and receive coverage in a timely manner.

How We Help

We’re here to make a real difference by showing people the benefits that often go ignored. Unlike captive agents who can only represent one carrier and are limited in what they’re allowed to offer, we’re funded to serve — not to sell. That means we review multiple programs, compare options across carriers, and highlight the income‑based savings and value‑returning protections many agents avoid showing due to low compensation. Our goal is simple: to uncover the unclaimed benefits you may not have known you qualified for.

Unclaimed Benefit Recovery: We identify income-based savings and state programs that many families and seniors overlook.

Protection That Pays You Back: We prioritize options with "return of value" features—including cashback benefits that reward you for staying protected.

Client-First, Not Commission-Driven: Because we are organization-funded, our focus is on what you qualify for, not what’s most expensive.

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Get a Quick Decision

Get quick access to benefits that protect your family today and give you the option to put money back in your hands tomorrow. Unlike traditional coverage that simply collects premiums and never returns them, our return-of-premium term protection gives you the opportunity to receive what you paid in if you outlive your policy.

Our team focuses on coverage designed to put people back in the driver’s seat of their finances — plans built to create value, reward smart planning, and help you keep more of what you earn. We move quickly so you can secure coverage, understand your options, and choose protection that works for your future.

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500+

Satisfied Customers

30M+

Members Nationwide

65K+

Doctors & Hospitals

90M+

Claims Processed Annually

SERVICES LIST

Medicare Benefit Review

We help make sure you’re getting all the Medicare coverage you’re entitled to. Our team is here to check your options, explain your benefits clearly, and stand behind you so you can feel confident you’re receiving the protection and support you deserve.

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Affordable Healthcare

Health coverage can be far more affordable than most people realize. We guide you through the process of qualifying for income‑based subsidies that can reduce premiums by up to 90%, and many individuals and families may even qualify for $0 monthly premium plans. We make the process clear, simple, and tailored to your situation.

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Cash Value Coverage

About 90% of term life policies are outlived, meaning most people never receive anything back. We help you choose options that allow you to get your premiums returned if the policy isn’t claimed — and we also offer plans with cash‑value features that can grow over time and provide lifelong protection if you need coverage that lasts.

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Immediate Dental Coverage

We make it quick and easy to qualify for enhanced dental benefits — up to $5,000 of coverage, which is often five times more than what typical group plans provide. Many options also include additional vision benefits, giving you stronger protection for your overall health.

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Mortgage Protection Return

Your home is one of your biggest investments, and mortgage protection helps ensure your family can keep it if the unexpected happens. With premium‑return options, if the coverage isn’t claimed during the loan period, you may qualify to receive your premiums back at the end of the term. It’s protection with the potential to return value to you.

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Testimonials

“I thought I was doing fine with my coverage until I talked to FairState. I didn’t realize I was missing out on benefits I actually qualified for, and finding out I could’ve been getting hundreds back each month was a shock. No one had ever taken the time to explain my options before. I’m really grateful they did.”

— Robert J.

“I didn’t realize how much I was missing until FairState reviewed my situation. They took the time to explain benefits I qualified for and showed me ways to protect my family while saving money. It ended up making a real difference for us.”

— Lisa M.

Protection That Pays You Back

Most people only know the insurance that comes through work — coverage that disappears when the job does and never returns a single dollar of the premiums you paid. We offer something different.

Our term protection is designed to reward you for staying covered. If nothing happens to you during your term, you're given the opportunity to receive your premiums back — putting you in a position to reduce debt, build savings, or reinvest in your future. Instead of being left with nothing, you can actually look forward to your coverage ending.

Unlike employer plans or captive agents who only represent one carrier

meaning one benefit — and are positioned to promote what fits their model, we prioritize what fits you. That means informing the community about options many agents avoid showing due to low compensation — including cash‑back benefits that return value to the people who actually need it.