What is Bernard Health Group INC?

Bernard Health Group INC offers families coverage help, quote requests, useful resources, and blog posts across 25 pages for better decisions.

Does it cost anything to work with you?

No. Insurance carriers pay us a commission when you enroll, and it does not add a dollar to your premium. The price you get through us is the same as going direct — and because we compare multiple carriers, it's often lower.

How much life insurance do I actually need?

A common starting point is 10 to 15 times your annual income, plus your mortgage and other debt, minus whatever coverage you already have through work. We'll run that math with you on the call so the number is based on your life, not a rule of thumb.

Do I have to take a medical exam?

Not always. Many term, whole life and final expense policies are approved on health questions alone — no blood draw, no physical. Larger coverage amounts usually do require an exam, and we'll tell you that upfront, before you apply, so there are no surprises.

Can I get health coverage if I'm self-employed or just lost my job?

Yes. Losing job-based coverage is a qualifying life event that opens a Special Enrollment Period — generally 60 days from the date your coverage ends. Self-employed workers can enroll during Open Enrollment or after a qualifying event. Either way, we'll check whether you qualify for a premium subsidy.

What's the difference between term and whole life?

Term covers you for a set number of years and is the cheapest way to protect a young family — it protects your income. Whole life covers you for your entire life, never expires, and builds guaranteed cash value — it protects your estate and your final wishes. Most families start with term and add permanent coverage later.

Is final expense insurance worth it?

A funeral runs several thousand dollars before you add burial, travel for family, or leftover medical bills. Final expense is a small whole life policy — usually $5,000 to $50,000 — sized to cover exactly those costs. Premiums are locked for life, and approval usually comes down to a few health questions.

I already have coverage through work. Isn't that enough?

Group life is usually one to two times your salary, and it ends the day the job does — right when you'd least want a gap. It's a good start, not a plan. We'll look at what you have and fill the gap rather than replace something that's already working.

Can I add dental, vision and hearing without changing my health plan?

Yes. DVH plans are standalone. Keep your major medical exactly as it is and add dental, vision and hearing on top — or use DVH as a bridge if you don't have health coverage in place right now.

Is Bernard Health Group Inc. the same as Bernard Health in Nashville?

No — they are two separate, unrelated companies that happen to have similar names. Bernard Health Group Inc. is a Florida independent insurance agency based in Palm Beach County, licensed to help individuals, families and businesses with health, life and ancillary coverage. We have no affiliation with Bernard Health, the employee-benefits brokerage and HR software company based in Nashville, Tennessee.

Questions

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Straight answers about how coverage works, what it costs and who it protects. If yours isn't here, ask it on the phone — we'd rather answer it than have you guess.

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Every option on the table.
Then you decide.

Tell us what you're protecting. We'll come back with real numbers from real carriers — and you choose what happens next.

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