Coverage you can trust.
I've got you covered, especially when it matters most.
*By submitting your contact details, you are providing your data to GABInsurance, a licensed insurance agent, who may contact you.
If text message is chosen as desired form of contact, you can reply STOP to 470-690-3200 to opt out. Message & Data Rates may apply and message frequency varies. Privacy policy found here
Life Insurance
Term and Whole Life Policies
Health Insurance
Short Term and Indemnity Plans
Medicare
Medicare Supplements
ABOUT
Hello, my name is Gabriela Aponte, owner of GABInsurance LLC. I am an independent insurance agent located in the Greater Atlanta area. I am licensed nationwide with my specialties being Life and Health insurance, including Medicare. I'm a University of Georgia graduate and multilingual in English, Spanish and Portuguese.
From a customer standpoint I know how difficult and confusing it can be shopping for insurance and this is why I became a broker. I take pride in providing an easier experience for my clients through honesty and transparency. As a broker, I work for my client, not the insurance company. This gives me the ability to shop around to get the best plan catered to each individual's budget and needs.
I'm originally from Puerto Rico, was raised in Florida, and now have been a Georgia resident for the past 15+ years. A little fun fact about me is that I'm also a professional figure skating instructor. When I am not working, I enjoy staying active, spending time outdoors, and traveling with my family.
LIFE
What is life insurance?
Life insurance is a contract between an insurance policy holder and an insurance company (the insurer). In this contract, the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.
Whole life insurance
- Children's Whole Life
- Traditional Whole Life
- Final Expense
- Indexed Universal Life
- An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates.
term life insurance
- 10, 15, 20, 25, 30 year policies
- Traditional Term Life
- Living Benefits Policies
guaranteed issue policies
- A type of life insurance that you don’t have to take a medical exam or answer health questions to get a policy. These policies are a way to get coverage if you’re in poor health.
medical exam policies
- A fully underwritten policy that takes all medical and personal information into account. A medical exam is conducted to verify your information and determine whether you have health conditions that could affect your life expectancy. Medical exams can take just 15 minutes.
HEALTH
under 65 healthcare
Indemnity Plans with Catastrophic Wraparound
- Combining indemnity plans with catastrophic wraparound insurance allows individuals to have more control over their healthcare while also having protection against large medical bills. These type of plans pay a set-dollar amount for care, no matter how much the provider charges. If the cost for care is less than the benefit, insureds keep any difference.
SHORT TERM MEDICAL PLANS
- Short-term health plans are temporary coverage that can offer financial protection for medical services such as doctor office visits, emergency room visits, hospital stays and more. Short term medical plans can be a flexible option for individuals in an employer waiting period, between jobs or individuals who missed the open enrollment period.
65+ and/or qualifying disabilities healthcare
Medicare Supplement Plans*
- Medicare Supplement plans, also known as Medigap plans, are private insurance plans that are designed to help cover some of the out-of-pocket costs that are not covered by Original Medicare.
Stand-alone Prescription Drug Plans*
- Stand-alone Medicare Prescription Drug Plans (also known as Medicare Part D plans) are private insurance plans that help cover the cost of prescription drugs.
Medicare Advantage Plans*
- Medicare Advantage plans are private insurance plans that often offer additional benefits such as prescription drug coverage, dental, vision care, wellness programs, etc.
*Must be enrolled in Medicare Parts A and B
Do not delay!
Call or email to get a personalized plan today !
Service Map:
GABInsurance headquarters are located in North GA with clients all across the US.
We currently operate in 6 states (GA, FL, TX, LA, NJ, OH). If you reside in a state outside of the service map, please still give me a call. I can find ways to help!
FAQ
Do I have to pay for an appointment with you?
No! As an Insurance Broker, my services are completely free to you. I get paid by a commissionable amount through the insurance companies.
I don't see my state on your service map, can you still help me?
Yes! I absolutely can still help. Just let me know what state you reside in, and I can add it to my list.
What are the benefits of shopping with you vs the companies I see on TV?
I'm a real person and not just a voice on the other side of the phone. I work for YOU, not the insurance company. I shop around to get the best plan catered to your budget and needs.
Why should I get life insurance?
Getting a term or whole life insurance policy can help protect your family’s future. If you’re married, have children or dependents, own a home, or own a business—you probably need life insurance.
How much does life insurance cost?
Prices are different for everyone depending on what services are needed. Plans can be as low as $4.61 monthly*.
I am turning 65 this year, when can I apply for Medicare?
Generally you can apply 3 months before, your birthday month, and/or 3 months after turning 65
I have coverage through my employer. Why should I get additional insurance?
Employers typically don't cover enough. With life insurance, they typically only cover 1-2x your annual income. With health insurance, there are typically deductibles that need to be met and higher out of pocket maximums. Additional coverage can help cover these gaps where your employer coverage doesn't cover.
What is an indemnity health insurance plan?
There is no network and no deductible. The insurance plan pays YOU to go to the doctor instead of paying the doctors office or hospital.
How much life insurance coverage do I need?
Amounts are different for everyone. One easy method is to multiply your annual income by 10. Another method is the DIME formula for calculating your life insurance needs. DIME stands for Debt, Income, Mortgage, and Education.
What is underwriting?
Underwriting is the process life insurance companies use to determine eligibility and premiums. Factors include an applicant’s age, sex, health, lifestyle.
*Prices are subjective to underwriting
Privacy Policy
Last updated: January 26, 2024
Gabinsurance values your privacy. We may collect personal information from you such as identifying information (name, phone number, email address) and other forms of personal information. We collect as little information from you as possible for a specific and identifiable purpose, and then we commit to using this information only in the way we have specified. We use this information for business, marketing and commercial purposes, including but not limited to, recommending the products and services you request, processing your call back requests, protecting against fraud, maintaining security, confirming your identity and offering you other insurance and financial products.
Security of Your Personal Data
The security of your personal data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Electronic Communications
You consent to receive communications from us electronically or by phone by providing your contact information and agree that any notices or disclosures we are required to provide to you now or in the future may be provided to you in electronic form. If text message is chosen as desired form of contact, you can reply STOP to 470-690-3200 to opt out. Message & Data Rates may apply and message frequency varies.
Children's Privacy
Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.
If we need to rely on consent as a legal basis for processing your information and your country requires consent from a parent, we may require your parent's consent before we collect and use that information.
Links to Other Websites
Our Service may contain links to other websites that are not operated by us. If you click on a third party link, You will be directed to that third party's site. We advise you to review the privacy policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Changes to this Privacy Policy
We may update our privacy policy from time to time. we will notify you of any changes by posting the new privacy policy on this page.
You are advised to review this privacy notice periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.
Contact Us
If you have any questions about this privacy notice, you can contact us by email at gabinsurance@outlook.com