Turning 65 & retirees
Medicare choices, retirement income, and making sure your savings last as long as you do.
Learn more →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 BernalInsurance Broker · NPN 18678325
Medicare choices, retirement income, and making sure your savings last as long as you do.
Learn more →Health coverage, life insurance, and protecting your home and the people who depend on you.
Learn more →Health plans for the self-employed and life insurance strategies that build long-term value.
Learn more →I'm independent, so I compare options from many companies and explain them in plain language.
Turning 65, retiring, or reviewing your plan during enrollment season.
Coverage for individuals, families, and the self-employed.
Protection sized to your family, your home, and your goals.
Turn savings into dependable income and protect your principal.
As an estate planning coordinator, I help you avoid probate and protect your family.
I don't work for one insurance company. I compare many and show you the options side by side.
Health, Medicare, life, retirement, and estate planning work together, so nothing falls through the cracks.
Questions about a claim, a bill, or a renewal? You call me, not an 800 number. I review your coverage with you every year.

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.
A free call about your health, family, budget, and goals.
I research your options and walk you through them side by side.
I handle the paperwork and make sure everything is set up right.
I'm your contact for questions, claims help, and yearly reviews.
Insurance companies are pulling Medicare Advantage plans out of hundreds of counties for 2027. If you got a letter saying your plan is ending, here is what it means, what happens if you do nothing, and the deadlines that matter.
Read more“I am really impressed with this Agency. I was in need of a new life insurance at my age and Roy delivered. I can see why people are referred to speak with him, very knowledgeable and responsive. I had my Mom call him regarding Medicare options and she signed up. She is very happy and feels she found an agent that cares. Thank you Roy and staff at EverWell Insurance Solutions.”
“Working with Roy was a great experience from beginning to end. He was friendly, honest, and genuinely seemed to cared about helping find the right life insurance coverage. He explained things clearly, making sure I understood my options. No pressure, which I really appreciated. I recommend his services to anyone looking for a life insurance agent.”
“My family and I really struggled to make the leap on a life policy. It feels really overwhelming without the right help. Grateful we got to work with Roy, who was incredibly patient and thorough. I feel really confident in our choice and would strongly recommend working with him!”
“Roy provided Excellent Service. He was very knowledgeable but also patient. He answered all my questions and explained all the options for Medicare Ins. He helped me find the best plan for my individual needs. Highly recommend.”
“Was looking to get my grandmother life insurance finally but My grandmother barely speaks English. Thank goodness we were able to be helped her with a bilingual gentleman helping us along the way.”
“Roy was extremely knowledgeable and consummate professional. I was dreading this whole process but he made it very easy and painless. I would strongly recommend”
Because I'm independent, I can compare plans and policies from many of the companies you already know.
























Logos are trademarks of their respective companies. Plan and product availability varies by state and area.
Licensed in 22 states. Hover over or tap a state to see what I can help with there. National Producer Number (NPN) 18678325.
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
Verify any license with that state's Department of Insurance using NPN 18678325.
Book a free call or call me directly. I'll answer your questions and show you your options.