Health Insurance Options
ACA marketplace plans, short-term coverage, and alternatives when you don't have employer-sponsored benefits.
Disability Income Protection
If you can't work, your income stops. Disability insurance keeps your household running during recovery.
Life Insurance & Business Protection
Term, whole life, and IUL solutions to protect your family and keep your business alive if something happens to you.
Retirement Strategies
Solo 401(k), SEP-IRA, annuities, and IUL as tax-advantaged vehicles for self-employed retirement growth.
Key-Person Coverage
Protect your business from the financial impact of losing a critical employee or partner.
Critical Illness & Accident Insurance
Supplemental coverage that pays cash benefits directly to you — not to a hospital — when you need it most.
The Self-Employed Coverage Gap
When you work for yourself, no one hands you a benefits package. You're responsible for finding your own health coverage, planning your own retirement, and protecting your income if you become ill or injured.
Many self-employed individuals and small business owners are underinsured — not because they don't care, but because navigating the options alone is overwhelming. That's where The Koryan Agency comes in.
A Plan Built Around Your Business
Whether you're a freelancer, contractor, sole proprietor, or small business owner, we work with you to build a personalized protection strategy that fits your income, goals, and risk tolerance.
We compare options from multiple carriers so you get the right coverage at the right price — not a one-size-fits-all solution.