Altruis Advisor Group

Altruis Advisor Group We are educators in the field of benefit consulting, offering options to our clients and educating them on the differences.

Acting solely for the benefit of our clients translates to strong business relationships based on trust, and expert advice.

Turning 65 isn't just a birthday-it's a 7-month window that determines your Medicare costs for life. I've seen clients m...
09/01/2026

Turning 65 isn't just a birthday-it's a 7-month window that determines your Medicare costs for life. I've seen clients miss enrollment deadlines and face penalties they didn't expect, simply because the rules aren't intuitive. If you're still working, retiring, or on a spouse's plan, the coordination rules change completely. That's exactly why I built my practice around walking clients through this milestone step by step. You shouldn't have to decode IEP windows and creditable coverage on your own. Let's map your specific situation and lock in a plan that actually fits your life. Schedule a consultation with one of my specialists-20 minutes now saves you thousands later.

I built my insurance strategy around a hard truth: your primary policy is a floor, not a ceiling. As a self-employed per...
08/31/2026

I built my insurance strategy around a hard truth: your primary policy is a floor, not a ceiling. As a self-employed person, I learned the painful way that hospitalization, critical illness, or an accident doesn't just drain your savings-it drains your income while you're healing. That's the gap nobody talks about until it's too late.

Ancillary coverage isn't extra insurance. It's the difference between staying afloat and going under when life derails your work. Hospital indemnity replaces lost income. Critical illness covers the months you can't work. Accident insurance catches what your primary plan leaves behind.

I'm not here to sell you fear. I'm here to help you see what's actually exposed. Let's review your coverage gaps together-no pressure, just clarity.

Here's what most people don't realize: your employer's group life insurance is temporary protection, not permanent. The ...
08/29/2026

Here's what most people don't realize: your employer's group life insurance is temporary protection, not permanent. The moment you change jobs, switch to self-employment, or take on contract work, that coverage disappears-leaving your family unprotected during a critical transition.

This isn't a flaw in your employer's plan. It's how group coverage works. But it's also why portable individual life insurance exists: to fill exactly this gap.

Altruis Advisor Group helps self-employed professionals, independent contractors, and job changers in Michigan understand this hidden vulnerability and build coverage that actually travels with you. Your protection shouldn't depend on your employment status.

If you've changed jobs in the last few years or are considering a move, it's worth a conversation. Altruis can show you how to maintain continuous protection regardless of what's next.

You're not alone. High-deductible health plans leave thousands of self-employed folks and independent contractors scramb...
08/28/2026

You're not alone. High-deductible health plans leave thousands of self-employed folks and independent contractors scrambling every year - caught between unexpected bills and coverage gaps your employer barely explained.

But here's what most people don't know: supplemental coverage options, HSA strategies, and ancillary products exist specifically to fill those holes. You don't have to white-knuckle it through deductible season.

That's where we come in. Altruis Advisor Group has spent 25 years helping people in Michigan navigate exactly this kind of situation - turning confusion into clarity, and protection into peace of mind.

Which frustration hit you hardest? Drop your answer in the comments below, and tag someone whose employer just pulled this move. Let's build a conversation around what actually works.

You probably think of health, life, and Medicare as three separate problems. But here's what most people miss: they're a...
08/27/2026

You probably think of health, life, and Medicare as three separate problems. But here's what most people miss: they're actually designed to work *together* - and when you treat them separately, you leave real gaps in your safety net.

Health Insurance doesn't cover long-term care. If you need extended care down the road, you're paying out of pocket - and it's expensive.

Life Insurance does way more than just replace income. It can cover final expenses, pay off debt, and protect your family's lifestyle in ways your health plan never will.

Medicare leaves you exposed. Even with Part A and B, you're still responsible for gaps, uncovered services, and out-of-pocket costs that can add up fast.

The real picture? You need all three working as one coordinated system. As a self-employed person or contractor, you can't afford to guess. A 15-minute conversation with our team shows you exactly where your gaps are and how to close them.

Book your no-pressure consultation today - let's map out what actually protects you.

Your Medicare choices made right now directly impact your wallet for the next 12 months. Most people don't realize what ...
08/26/2026

Your Medicare choices made right now directly impact your wallet for the next 12 months. Most people don't realize what they're leaving on the table-or that the enrollment window closes 12/07/2024. Swipe through to see what's changed, what you might be missing, and how a quick review with Altruis can save you thousands.

Here's the thing: most self-employed folks and small business owners have at least one of these three covered - but they...
08/25/2026

Here's the thing: most self-employed folks and small business owners have at least one of these three covered - but they're often missing the full picture.

1. Health Insurance protects you against catastrophic medical bills today. The misconception? It's NOT your retirement safety net. That's what Medicare and supplemental coverage are for.

2. Medicare kicks in at 65 and covers hospital and medical costs in your later years. The mistake we see constantly? Assuming it covers everything. It doesn't - and waiting until you're eligible to plan is too late.

3. Life Insurance isn't just about leaving money to your family (though that matters). For business owners, it protects your company's continuity, covers debt, and ensures your employees are taken care if something happens to you.

The real question: Are these three working together for YOUR specific situation? Or are you leaving gaps that could cost you thousands down the road?

Let's talk it through. Reply below or reach out for a 15-minute consultation - no pressure, just clarity.

I see the sticker shock every March. A 15-40% jump feels personal, but it's not-it's three predictable factors stacking ...
08/24/2026

I see the sticker shock every March. A 15-40% jump feels personal, but it's not-it's three predictable factors stacking up: your age tier, nationwide healthcare inflation, and how your plan's deductible and copay structure landed when costs shifted. The good news? Once you know what's driving it, you're not helpless. I worked with Marcus last month-same age, same frustration-and a 30-minute review of his plan design freed up $140/month that he thought was gone for good. Your numbers are different, but the principle is the same: understanding the 'why' behind the increase is the first step to doing something about it. Let's find what's possible for you.

Your 30s is when the math changes. A disability that sidelines you for six months, life insurance that doesn't cover you...
08/19/2026

Your 30s is when the math changes. A disability that sidelines you for six months, life insurance that doesn't cover your mortgage and kids' college, or a health crisis that wipes out your savings-these aren't worst-case scenarios. They're gaps most professionals your age don't see until it's too late.

The good news? Closing them now costs a fraction of what ignoring them will. Altruis has spent 25 years helping Birmingham professionals audit their coverage before the holes matter. Fifteen minutes to see what you're missing-and a plan to fix it.

Schedule your free coverage review today.

Address

30600 Telegraph Road, Suite 1225
Bingham Farms, MI
48025

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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