Independent insurance brokerage
We put our clients’ needs above our own.
Benefact Financial Solutions is an independent advocate for people and business owners who want health coverage, income protection, and employee benefits explained in plain language.
Our values
What you can count on
We work for you, not a single insurance company. The same standard applies whether you are buying your own plan, moving onto Medicare, or building benefits for a team.
Market independence
We compare products across carriers and give objective guidance for your health and financial priorities.
One multi-line strategy
Individual plans and group benefits sit in one conversation, so coverage works together instead of in pieces.
Cost kept in view
We look for structures, including Section 125 programs, that stretch benefit dollars and lower out-of-pocket costs.
Advocacy after enrollment
Plan selection is the start. We stay available for questions, administration, and claims.
Read about us
Coverage
Choose where you need help
Each line has its own page with the details, who it is for, and how to take the next step.
Individual & family health
ACA marketplace plans, New York programs, subsidies, and off-exchange options.
Explore health plansMedicare
Advantage, Medigap, Part D, and dual-eligible support when you are ready to transition.
Explore MedicareLife insurance
Term, indexed universal life, living benefits, and final expense coverage.
Explore life insuranceSupplemental
Dental, vision, accident, critical illness, hospital indemnity, and disability.
Explore supplementalGroup benefits
Major medical and voluntary benefits for employers, in New York and across state lines.
Explore group benefitsVital 110 plan
A Section 125 design that turns payroll-tax savings into everyday healthcare for qualifying groups.
See the Vital 110 plan
Meet the founder
Christopher Wilson
Christopher started in collections and tax collections, where he saw how fast a family or a business can be knocked off course by medical debt. He built Benefact so clients would have someone in their corner before that happens.
He is licensed for life and health, including Medicare, the ACA marketplace, and employer group benefits. The work is finding the missing piece: the right network, the right premium, or a benefits design that actually fits the payroll.
For employers
The Vital 110 plan
Health Compass Inc.’s Vital 110 plan, offered through Benefact, is built for groups of 10 or more. It uses a Section 125 cafeteria plan so routine care can be funded from payroll-tax savings. Benefact’s figures: $438 in FICA savings per employee per year, with $0 copays on the everyday benefits in the design.
How the plan works
Clients
What people say
“Very intuitive process and Christopher is super easy to work with!”
“The Vital 110 Plan by Health Compass Inc. is the best thing that we’ve ever offered the member businesses of our Chamber of Commerce.”
“I needed Medicare coverage and Christopher made the process quick and easy!”
Start here
Two ways to get a number
Get a quote
Tell us which coverage you need. The form stays on this site and routes you to the right questionnaire.
Open the quote formWhole life, ages 50–80
The instant life quote Christopher already uses for ages 50 to 80, including certain guaranteed-issue policies.
Get that quote
How long does a life insurance quote take?
For certain guaranteed-issue policies, an accurate quote can take less than two minutes.
Where do you operate?
Benefact Financial Solutions serves clients nationwide, with full access to New York State of Health as well as Healthcare.gov and other state exchanges where we are licensed.