Willis Advocacy Group is an independent licensed agency that reviews every option available in your state — free, no pressure, no obligation. Two things we do best: Medicare guidance (Advantage & Dual Eligible plans) and final expense & life insurance for people other companies turn away.
The average funeral costs $8,000–$12,000. A simple final-expense policy makes sure the people you love can grieve without inheriting a bill — even if you've been turned down before. Diabetes, heart conditions, COPD, a cancer history: we work with carriers who say yes. You're a person to us, not a policy.
We review your full situation — not just one carrier's plans — because your coverage should match your life, not their sales quota.
We compare every Medicare Advantage plan available in your area — including D-SNP plans for those who qualify for both Medicare and Medicaid.
Original Medicare plus a Medigap supplement plan for predictable costs and freedom to see any doctor who accepts Medicare — nationwide.
Been declined before? Uhia specializes in finding coverage for clients with complex health histories — including conditions most brokers won't touch.
Uhia Willis founded Willis Advocacy Group on a simple belief: the people who need insurance the most are the ones who keep getting turned away, overcharged, or pushed into the wrong plan.
As an independent broker, Uhia is not tied to any single insurance company. That means he reviews every plan available in your area and gives you an honest assessment — even if the honest answer is that your current plan is already your best option.
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Not tied to one company. We shop every carrier in your area and tell you the truth — even if that means your current plan wins.
Most brokers avoid complex cases. Uhia built his practice around them. Diabetes, HIV, cardiac history — we've found coverage for all of it.
No waiting three days for a callback. Uhia personally responds to every inquiry within one business hour during business days.
"People Over Profits" isn't a slogan — it's how we operate. You'll never feel pressured or rushed into a decision.
From your first call to your new coverage — here's exactly what to expect.
Call (774) 446-0701 or fill out the form. Uhia reviews your current situation — current coverage, prescriptions, doctors, budget.
Uhia pulls every plan available in your state for your specific situation and presents the best options side by side.
No pressure. You pick what works for you. Uhia handles all the enrollment paperwork and you're covered. Done.
Every client experience matters. If Uhia helped you, leaving a Google review helps the next person find us — and builds trust in your community.
Leave a Google ReviewUhia found me a $0 plan I had no idea existed. I was paying $140 a month and qualified for a Dual Special Needs Plan. He saved me over $1,600 a year — first year alone.
I have Type 2 diabetes and had been declined by three brokers. Uhia called me back within an hour and found me a guaranteed issue life insurance policy. My family finally has protection.
He told me honestly that my current Medicare plan was actually good for my situation — and didn't try to switch me just to earn a commission. That's integrity. I'll never use another broker.
I have HIV and thought life insurance was just never going to happen for me. Uhia didn't flinch. He called me back same day and found me a policy. I have peace of mind I didn't think was possible.
My mother was on the wrong Medicare plan for three years — overpaying and missing benefits she qualified for. After one call with Uhia, she was enrolled in a D-SNP plan. Free dental. Free rides to the doctor. Changed her life.
Uhia is the kind of broker that's hard to find. Honest, fast, no pressure. He picked up every call and explained everything clearly. I refer anyone I know who's turning 65 directly to him.
Straight answers about Medicare and life insurance — no sales pitch, no fluff.
Two very different approaches to Medicare coverage. One offers extra benefits and lower premiums. The other offers freedom and predictability. Here's how to decide which fits your life.
Declined before? Most people with serious health conditions don't know about guaranteed issue policies. This is what brokers who specialize in complex cases know — and most others won't say.
If you have both Medicare and Medicaid, there may be a $0 plan with free dental, vision, transportation, and OTC benefits waiting for you. Most people who qualify have never been told these plans exist.
Fill out the form and Uhia will personally call you within 1 business hour. No sales pitch. Just a real conversation about your options.
Uhia calls back within 1 business hour. Free, no-obligation.
Willis Advocacy Group is not affiliated with or endorsed by Medicare, Medicaid, or any U.S. government agency. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) for information on all options. This is a solicitation for insurance. By submitting this form you agree to our Privacy Policy and Terms of Service.
No. Our services are completely free to you. As an independent broker, we are compensated by the insurance carriers when you enroll in a plan. This never affects the plans we recommend — we're required by law to recommend the best option for you, not the one with the highest commission.
Many people are. If you receive both Medicare and Medicaid benefits, you may qualify for a Dual Special Needs Plan (D-SNP), which often has $0 monthly premium, $0 copays for primary care, and additional benefits like dental, vision, transportation, and OTC allowances. The only way to know for certain is to review your specific situation — which is exactly what our free consultation does.
Often yes. Uhia specializes in finding life insurance for clients with preexisting conditions — including diabetes, heart disease, HIV, COPD, cancer history, and more. There are guaranteed issue life insurance policies that do not require a medical exam and cannot decline you based on health. The trade-off is typically a graded benefit period during the first 2-3 years. We'll walk you through exactly what's available for your specific situation.
The initial consultation typically takes 20-30 minutes. If you decide to enroll, the paperwork can usually be completed during that same call. Coverage typically begins on the 1st of the following month, depending on the plan type and enrollment period you're in.
There are several Medicare enrollment and change windows. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year. The Medicare Advantage Open Enrollment Period runs January 1 – March 31. Special Enrollment Periods are available for qualifying life events. Some plans — particularly D-SNPs for dual-eligible beneficiaries — allow monthly enrollment. Uhia will confirm what window applies to your situation.
No — Uhia is licensed to sell insurance in Massachusetts, Connecticut, New Jersey, New York, Florida, Texas, North Carolina, and Maine. All consultations are conducted by phone, so location within those states doesn't matter.
Original Medicare (Parts A and B) is the federal government program covering hospital and medical services. Medicare Advantage (Part C) is an alternative offered by private insurance companies that must cover everything Original Medicare does — and often adds benefits like dental, vision, hearing, and transportation. Medicare Advantage plans typically have networks of doctors, while Original Medicare lets you see any doctor who accepts Medicare. The right choice depends on your doctors, prescriptions, health needs, and budget. Uhia will walk through both options for your specific situation at no charge.
Medigap, also called Medicare Supplement insurance, is a policy sold by private insurance companies to fill the gaps in Original Medicare — covering things like copayments, coinsurance, and deductibles. Medigap plans are standardized by letter (Plan G, Plan N, etc.) and allow you to see any doctor who accepts Medicare in the country with no network restrictions. They charge a monthly premium but provide very predictable out-of-pocket costs. Medigap is often the best choice for people who travel frequently, see specialists regularly, or want financial certainty. Willis Advocacy Group (UKW Consulting Inc.) is not affiliated with or endorsed by Medicare or any government agency.
The Annual Enrollment Period (AEP) runs from October 15 through December 7 every year. During this time, you can switch Medicare Advantage plans, switch from Medicare Advantage back to Original Medicare, join or drop a Part D drug plan, or change Part D plans. Changes made during AEP take effect January 1 of the following year. Missing AEP doesn't always mean you're locked in — Special Enrollment Periods exist for qualifying events, and D-SNP plans for dual-eligible beneficiaries often allow monthly enrollment. Call (774) 446-0701 to find out what window applies to you.
You become eligible for Medicare at 65. You have a 7-month Initial Enrollment Period: the 3 months before your birthday month, your birthday month itself, and 3 months after. If you're already collecting Social Security, you may be enrolled automatically. Signing up late can result in permanent premium penalties. This is one of the most important insurance decisions you'll make — and Uhia's consultation is free. He'll walk you through Original Medicare, Advantage, Supplement, and Part D options before you enroll so you make the right choice from day one. Willis Advocacy Group (UKW Consulting Inc.) is not affiliated with or endorsed by Medicare or any government agency. Contact Medicare.gov or 1-800-MEDICARE for government enrollment assistance.
Guaranteed issue life insurance is a type of whole life policy that cannot deny coverage based on your health. There is no medical exam and no health questions. If you meet the basic age and residency requirements, you are approved — period. The trade-off is a graded benefit period, typically 2–3 years, during which the death benefit is limited (usually premiums plus interest are returned if death occurs in this window). After that period, the full benefit pays out. For many people with serious health conditions who've been declined elsewhere, guaranteed issue is the only path to coverage. Uhia will tell you honestly whether guaranteed issue is your best option or if a standard policy may be available to you.
Yes — in many cases. Diabetes, including Type 1 and Type 2, is one of the most common conditions Uhia works with. Whether you can get a standard policy or need a guaranteed issue or simplified issue product depends on how well-controlled your diabetes is, your A1C levels, whether you have complications, and other factors. Many clients with well-controlled Type 2 diabetes qualify for standard underwriting at competitive rates. Those with more complex situations often have guaranteed issue options available. The only way to know for certain is to have your situation reviewed — which is free.
Final expense insurance, also called burial insurance, is a whole life policy designed to cover end-of-life costs — funeral expenses, outstanding medical bills, and other final debts. Policies typically range from $5,000 to $25,000 in death benefit and are designed to be affordable on a fixed income. Premiums are locked in for life and the policy cannot be cancelled as long as premiums are paid. Many final expense policies are either guaranteed issue or simplified issue (a few health questions but no exam), making them accessible to people with health conditions. Coverage often starts under $30–$50 per month.
A decline from one carrier or broker is not the end of the story. Different insurance companies underwrite risk differently — a condition that disqualifies you at one company may be acceptable at another. Uhia specializes in exactly these situations. He works with multiple carriers and knows which ones are more likely to approve complex health histories. Even if standard coverage isn't available, guaranteed issue options exist that cannot decline you. If you've been told no before, call (774) 446-0701 or submit the form — that's exactly where Uhia's expertise begins.
No automated phone trees. No call centers. When you contact Willis Advocacy Group, you reach Uhia directly.
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Calls back within 1 business hour during business hours.
