Insurance Solutions for the Self-Employed, Entrepreneurs, and Independent Contractors
When you’re self-employed, you don’t have access to traditional employer benefits — but you still need protection when life happens.
At Midwest Supplemental Partners, we help self-employed, entrepreneurs, freelancers, and independent contractors across the Midwest build insurance protection solutions that provide financial security, flexibility, and peace of mind — so you can continue doing the work you love.
Why Insurance Planning Is Different When You’re Self-Employed
Being self-employed means you carry more responsibility — and more risk.
Unexpected events like accidents, illness, or hospital stays can lead to:
- Out-of-pocket medical expenses
- Lost income during recovery
- Financial stress for you and your family
- Disruption to your business
That’s why having the right mix of supplemental and additional coverage matters.
Supplemental Insurance Designed to Support Income and Cash Flow
As a licensed Combined Insurance agent, we work with self-employed individuals to add supplemental coverage that works alongside major medical insurance.
Supplemental insurance can help provide:
- Cash benefits paid directly to you
- Support for accident- or illness-related expenses
- Income protection during recovery
- Flexibility in how benefits are used
This coverage is especially valuable for those with high-deductible health plans or variable income.
With more than 30 years in the business of people, I take a consultative approach focused on:
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Understanding how you work and earn
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Explaining options clearly and honestly
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Helping you choose coverage that fits your life and business
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Avoiding unnecessary or overlapping coverage
Explore Supplemental Coverage Options
Accident Insurance
Pays cash benefits that can be used to help with out-of-pocket expenses due to unexpected injury.
Critical Illness Insurance
Pays a lump sum if you are diagnosed with a covered condition.
Cancer Insurance
Pays cash benefits that can be used to help with costs related to a cancer diagnosis.
Disability Insurance / Income Protection
Provides cash benefits to help replace a portion of your income if you're sick or hurt and can't work.
Hospital Insurance
Pays cash benefits that can be used to help with expenses related to a covered hospital admission and/or confinement.
Life Insurance
Pays a lump sum to help cover final expenses and maintain a family's lifestyle following the loss of a loved one.
Dental & Vision Insurance
For everyday care and preventive needs, dental and vision options may be added to round out protection.