Free Benefit Review | FAIRSTATE
Fairstate
(575) 650-0152Mon–Sat · 8am–6pm
Free · No obligation · Takes 2 minutes

Find Out What Benefits You Qualify For Today!

No cost to review · Quick approval rate

Our job: be the advocate that gets you approved for affordable care
APPROVED FAIRSTATE
Your Benefit Review Step 1 of 8
Free · Takes about 2 minutes

Let's see what benefits you may be missing.

Answer a few quick questions about your coverage and household. We'll match your answers against income-based programs and return-of-value protection, then have an advisor confirm the details with you.

1 Tell us about your needs
2 Add your basic details
3 Get your free report
“

I honestly thought my work coverage had me completely covered, but once I saw all the massive gaps I was missing, it was a wake-up call. I never would've thought I'd qualify for coverage this solid on my own — so glad Fairstate stepped in and got me squared away with something I can actually be proud to own.

Diane S. · Verified Customer
Step 1 of 9

What would you like help reviewing?

Check everything that applies — most families qualify for more than one.

Step 2 of 9

Do you currently have health insurance?

Yes, through work
Yes, a marketplace plan
Yes, Medicare or Medicaid
No coverage currently
Step 3 of 9

Do you have life insurance to cover final expenses or debts?

Yes
No
Not sure

An accurate amount helps us confirm whether your plan qualifies for a premium reduction or a return-of-value upgrade.

Step 4 of 9

What is your annual household income?

Many income-based subsidies are tied to this range — it's the single biggest factor in what you qualify for.

Step 5 of 9

Any chronic conditions or ongoing medical needs we should know about?

This never disqualifies you — it just helps your advisor bring the right options.

Yes
No
Prefer to discuss with advisor
“

I honestly always thought life insurance only paid out when you pass away — had no idea it could actually protect you while you're still alive too. Nobody ever tells you these things are even an option, but Fairstate actually puts it all on the table. That's hands-down what I like most about them.

Isaac B. · Verified Customer
Step 6 of 9

How should your advisor reach you?

Phone call
Text message
Email

Finding your benefits…

Get Qualified For Benefit Programs Without Invasive Exams Today (In Just Minutes)

  • See which A-rated carriers match your age, health, and state
  • Check how much coverage you qualify for based on your budget
  • Uncover any benefits, subsidies, or savings most people miss
“

Easy process, knowledgeable representative, no harassing sales calls.

Antwan R. · Verified Customer
Step 7 of 9

Who should we prepare this report for?

Step 8 of 9

Your report is nearly done, there!

Enter the email you'd like your review sent to.

Step 9 of 9

What number should we send your review to?

Your advisor will use this to text or call you with your results.

Complete

Your review is ready to schedule, there.

Based on what you shared, here's what your advisor will focus on:

    Your advisor will confirm whether your current coverage meets the standard guidelines for what you should have in place, identify any benefit you qualify for, and guide you through the process to get you qualified for the protection you deserve.
    Prefer to talk now?
    (575) 650-0152
    Mon–Sat · 8am–6pm · Closed Sunday

    AM Best A- Excellent Rating

    Benefit Review
    Code of Conduct

    We're funded to serve, not to sell. Our free benefit review checks your current life and health coverage against what you actually qualify for today — so nothing gets left on the table.

    500+Satisfied customers
    30M+Members nationwide
    65K+Doctors & hospitals
    90M+Claims processed yearly
    What your review covers

    A closer look at what you're actually entitled to

    Most people have never had their coverage checked against what's currently available to them. Here's what we uncover.

    1

    Unclaimed benefits

    We check for benefits you already qualify for but aren't currently receiving — savings and protections that often go unnoticed until someone looks.

    2

    Living benefits

    Many policies only pay when you pass away. We check whether your coverage can protect you while you're alive — helping replace lost income if an illness or injury pulls you out of work, so your family doesn't have to.

    3

    Coverage compliance check

    We confirm your current plan actually meets the standard guidelines for what you should have in place, given your age, income, and household.

    4

    Income-based savings

    We compare your household income against current subsidy thresholds to see if you qualify for reduced premiums or $0-premium options.

    Why this matters

    Coverage you were sold once isn't the same as coverage you qualify for now.

    Rules, subsidies, and eligibility change every year. Through our review process, we uncover any benefits you currently qualify for that you're not yet receiving — and make sure you're clear on whether your existing coverage meets the standard guidelines for what you should actually have in place.

    • A plain-language read of what your current policy actually covers
    • A check against income-based subsidy thresholds you may now qualify for
    • A confirmation that your coverage amount still fits your situation
    A common blind spot

    Most people we review already have some coverage in place.

    What they haven't realized is that they may now qualify for more — cashback-style coverage that returns unused premiums, lower monthly payments, or income-based subsidies that didn't exist or didn't apply when they first signed up.

    This is exactly where our review comes in: checking that you're fully up to date on everything you currently qualify for, not just what you signed up for years ago.

    Cashback coverage Lower premiums Income-based subsidies Living benefits Cash Value Growth Free Trust & Will included Medicare benefit checks Mortgage protection

    Ask yourself:

    • Has anyone reviewed your coverage in the last 12 months?
    • Do you know if your premium goes up in the future or if it can be lowered today?
    • Would you know if you qualified for cashback-style protection?
    • Are you covered if an illness or injury pulls you out of work?
    Fairstate advisor
    Funded to serve, not to sell
    "I didn't realize how much I was missing out on until Fairstate reviewed my situation. They took the time to explain the benefits I qualified for."
    — Lisa M., Fairstate client

    Your advisor doesn't work for one carrier — so the goal is to find what you actually need, rather than convince you to take the only option they have to offer.

    (575) 650-0152 · Mon–Sat, 8am–6pm
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