Health & Life Insurance Agency

Protect your health, your family, and everything you've built

I'm Roy Bernal, an independent insurance broker. I help families, retirees, and business owners choose the right coverage and put a plan in place, from Medicare and health insurance to life insurance, retirement income, and wills & trusts.

Roy Bernal, insurance broker

Roy BernalInsurance Broker · NPN 18678325

Protecting
Supporting
Securing your tomorrow
Who I work with

Guidance for every stage of life

01

Turning 65 & retirees

Medicare choices, retirement income, and making sure your savings last as long as you do.

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02

Families & individuals

Health coverage, life insurance, and protecting your home and the people who depend on you.

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03

Business owners & 1099 workers

Health plans for the self-employed and life insurance strategies that build long-term value.

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Services

One advisor, five ways to help

I'm independent, so I compare options from many companies and explain them in plain language.

Medicare

Turning 65, retiring, or reviewing your plan during enrollment season.

  • Medicare Advantage & Part D
  • Medicare Supplement (Medigap)
  • Help with Medicare + Medi-Cal/Medicaid
Learn more →

Health insurance (under 65)

Coverage for individuals, families, and the self-employed.

  • ACA / marketplace plans
  • Private PPO options
  • Coverage before Medicare
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Life insurance

Protection sized to your family, your home, and your goals.

  • Final expense
  • Mortgage protection
  • Indexed universal life (IUL)
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Annuities

Turn savings into dependable income and protect your principal.

  • Fixed & fixed indexed annuities
  • Guaranteed lifetime income
  • 401(k), TSP & IRA rollovers
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Wills & trusts

As an estate planning coordinator, I help you avoid probate and protect your family.

  • Revocable living trusts
  • Wills
  • Power of attorney & health directives
Learn more →
Why EverWell

Advice that puts you first

Independent

I don't work for one insurance company. I compare many and show you the options side by side.

Everything in one place

Health, Medicare, life, retirement, and estate planning work together, so nothing falls through the cracks.

Here after you enroll

Questions about a claim, a bill, or a renewal? You call me, not an 800 number. I review your coverage with you every year.

Roy Bernal
Meet your advisor

Hi, I'm Roy Bernal

I founded EverWell Insurance Solutions to give families one trusted person to call for the big decisions: health coverage, Medicare, protecting loved ones, and planning for retirement and beyond.

I'm licensed in 22 states, with California as my home state. My job is to understand your situation, explain your options honestly, and help you choose with confidence. Then I stay with you, year after year.

The process

Simple, clear, no pressure

Step 01

Talk

A free call about your health, family, budget, and goals.

Step 02

Compare

I research your options and walk you through them side by side.

Step 03

Enroll

I handle the paperwork and make sure everything is set up right.

Step 04

Support

I'm your contact for questions, claims help, and yearly reviews.

Client reviews

What my clients say

5.0
★★★★★6 reviews on Google
Leave a review
Carriers I work with

Top-rated insurance companies

Because I'm independent, I can compare plans and policies from many of the companies you already know.

  • Aetna
  • Alignment Health
  • SCAN Health Plan
  • ManhattanLife
  • Athene Annuities
  • Americo
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Transamerica
  • Anthem
  • Corebridge Financial
  • HealthSpring
  • F&G
  • CVS Health
  • National Life Group
  • Devoted Health
  • American-Amicable
  • Wellabe
  • Ethos
  • Aflac
  • TruStage
  • Ameritas
  • Physicians Mutual
  • Heartland National

Logos are trademarks of their respective companies. Plan and product availability varies by state and area.

Licensed & appointed

Where I'm licensed

Licensed in 22 states. Hover over or tap a state to see what I can help with there. National Producer Number (NPN) 18678325.

Alabama: Health licensedAlaska: Not currently licensedArizona: Life & Health licensedColorado: Health licensedFlorida: Life & Health licensedGeorgia: Health licensedIndiana: Health licensedKansas: Not currently licensedMaine: Not currently licensedMassachusetts: Not currently licensedMinnesota: Not currently licensedNew Jersey: Not currently licensedNorth Carolina: Life & Health licensedNorth Dakota: Not currently licensedOklahoma: Life & Health licensedPennsylvania: Life & Health licensedSouth Dakota: Not currently licensedTexas: Life & Health licensedWyoming: Not currently licensedConnecticut: Not currently licensedMissouri: Health licensedWest Virginia: Health licensedIllinois: Not currently licensedNew Mexico: Not currently licensedArkansas: Health licensedCalifornia: Life & Health licensedDelaware: Not currently licensedDistrict of Columbia: Not currently licensedHawaii: Not currently licensedIowa: Not currently licensedKentucky: Health licensedMaryland: Not currently licensedMichigan: Life & Health licensedMississippi: Not currently licensedMontana: Not currently licensedNew Hampshire: Not currently licensedNew York: Not currently licensedOhio: Life & Health licensedOregon: Not currently licensedTennessee: Not currently licensedUtah: Not currently licensedVirginia: Life & Health licensedWashington: Life & Health licensedWisconsin: Not currently licensedNebraska: Not currently licensedSouth Carolina: Health licensedIdaho: Not currently licensedNevada: Life & Health licensedVermont: Not currently licensedLouisiana: Health licensedRhode Island: Not currently licensed
  • Life & HealthLife insurance, annuities, health & Medicare
  • HealthHealth insurance & Medicare
  • Not licensedAsk me for a referral

Life & Health: Arizona, California, Florida, Michigan, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, Texas, Virginia, Washington

Health: Alabama, Arkansas, Colorado, Georgia, Indiana, Kentucky, Louisiana, Missouri, South Carolina, West Virginia

License numbers

  • California0M16943
  • Arizona18678325
  • Michigan18678325
  • Pennsylvania1193374
  • Texas3057026
  • FloridaG037170
  • Ohio1568424
  • Virginia1416391

Verify any license with that state's Department of Insurance using NPN 18678325.

Ready to get started?

Book a free call or call me directly. I'll answer your questions and show you your options.