Retirement Coverage, Simplified.
One local agent for life insurance, Medicare, and health coverage — no 1-800 numbers, no pressure, no confusion.
If You're Tired of Sorting This Out Alone, You're in the Right Place
Medicare open enrollment, life insurance decisions, ACA marketplace deadlines — the coverage landscape for anyone approaching or in retirement is genuinely complicated. Gerry Prysock has spent 43 years in insurance, including building the #1 district in North Carolina as a Mutual of Omaha district manager, before going independent in 1999. That background is specific to this market: senior coverage, life products, and health plans are where this agency has deep roots.
What that means for you is straightforward. You get one licensed Michigan agent who knows Medicare Advantage, Medicare Supplement, term and whole life, ACA marketplace plans, and long-term care coverage — and who can walk you through all of it without handing you off to a call center or routing you through a 1-800 number.
Coverage Areas We Handle
Home Insurance
Storm damage, roof concerns, and rising rebuilding costs leave many homeowners unsure whether their policy still makes sense. Local home insurance guidance helps homeowners understand coverage options in plain language before problems become expensive surprises.
Business owners across Green Bay and the surrounding area often need more than a generic policy that overlooks how their operation actually works. Local guidance and independent carrier access help business owners build protection that fits contractors, restaurants, automotive shops, and other growing operations.
Business Insurance
Life Insurance
Term and whole life policies that fit your income, your family's needs, and your long-term goals — explained in plain language so you can make a confident decision.
Medicare Advantage
Bundled Medicare coverage with prescription, dental, and vision benefits. We compare plans across carriers so you're not guessing which one fits your doctors and your budget.
Medicare Supplement (Medigap)
Original Medicare leaves gaps. A Medicare Supplement plan covers what Parts A and B don't — and we help you find the right Medigap plan without the sales pressure.
Health Insurance & ACA Plans
If you're not yet Medicare-eligible, the ACA marketplace has options — including plans with income-based subsidies that many people don't know they qualify for. We help you find and enroll in the right plan before deadlines close.
Long-Term Care Insurance
One of the most overlooked gaps in retirement planning. Long-term care coverage helps fund assisted living, in-home care, and nursing facility costs that Medicare won't cover.
A Local Agent, Not a Hotline
The ads you see during Medicare open enrollment are almost all national call centers. You call in, you get whoever picks up, and you may never speak to the same person twice. That's not how this works.
Prysock Insurance Group is based in Rochester Hills and serves households across Oakland County and the surrounding communities. When you call or book an appointment, you're talking to a licensed Michigan agent with decades of experience in exactly this coverage category — someone who can answer your questions, remember your situation, and be there when something changes.
Enrolled on Time, Every Time
Medicare has strict enrollment windows. Missing your Initial Enrollment Period or a Special Enrollment Period can mean penalties, coverage gaps, or being locked out of the plan you wanted. ACA marketplace deadlines work the same way.
Part of what we do is track these timelines with you. We use Health Sherpa — a licensed enrollment platform — to make the ACA enrollment process fast and accurate. And for Medicare, we map out your specific enrollment window so there are no surprises.
What Makes an Independent Agent Different for Life and Medicare
We're not captive to one carrier. We compare plans from multiple carriers — including Prudential, TransAmerica, and Pacific Life for life products — to find what fits your situation, not what fits a sales quota.
Gerry's background at Mutual of Omaha means senior-market coverage isn't a sideline. It's a primary focus with 43 years behind it.
One relationship across life, Medicare, and health. If your situation changes — new diagnosis, change in income, spouse turning 65 — you have one agent to call.
Local and licensed. Michigan-based, with multi-state licensing for clients whose needs cross state lines.
No pressure, no jargon. We explain what you're buying, what it covers, and what it doesn't before you sign anything.
Common Questions About Life and Medicare Coverage
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with a bundled plan that typically includes prescription, dental, and vision coverage. Medicare Supplement works alongside Original Medicare to cover costs like copays and deductibles that Parts A and B leave behind. Which one makes sense depends on your health, your doctors, and your budget — and that's exactly the kind of comparison we walk through with you.
When can I enroll in Medicare?
Your Initial Enrollment Period begins three months before the month you turn 65 and extends three months after. Missing this window without qualifying for a Special Enrollment Period can result in late-enrollment penalties. We help you map your specific timeline so you don't miss it.
Do I need life insurance if I'm already retired?
It depends on your situation. Some retirees carry life insurance to cover final expenses, leave something to a spouse or children, or address estate planning goals. Whole life policies also have a cash value component that some clients use as part of a broader financial plan. We can help you evaluate whether coverage still makes sense for your circumstances.
What is a life insurance and Medicare agent near me in Michigan?
It's a licensed agent — based in your area, not a national call center — who can help you compare and enroll in Medicare and life insurance plans from multiple carriers. Prysock Insurance Group serves Rochester Hills, Troy, Sterling Heights, Shelby Township, and the broader Oakland County area.
Can you help with ACA health insurance if I'm not yet on Medicare?
Yes. If you're under 65 or not yet Medicare-eligible, we help you shop ACA marketplace plans — including identifying whether you qualify for income-based subsidies that reduce your monthly premium. Enrollment deadlines apply, so the sooner we connect, the better.
Ready to Get Your Coverage Sorted?
If you're approaching Medicare eligibility, shopping life insurance, or trying to make sense of your health coverage options, let's talk. One conversation with a local Michigan agent is a better starting point than another hour of research on your own