Question 1

What does an independent insurance agent do?

Accepted Answer

An independent insurance agent represents multiple insurance carriers — not just one company. That means when you work with Lancaster Cook at Hillcrest Life and Health, he compares rates and coverage from Blue Cross Blue Shield, United Healthcare, Humana, Mutual of Omaha, Aflac, Aetna, and others to find what actually fits your needs and budget. Captive agents (like those at a single brand office) can only offer their employer's products. Independent agents shop the market on your behalf at no extra cost to you.

Question 2

How much does it cost to work with you?

Accepted Answer

Nothing. Insurance agents are compensated by the insurance carriers when you enroll in a policy. You pay the same premium whether you buy directly from the insurance company or through an agent — but with an agent, you get personalized guidance, ongoing service, and someone to call when you have a claim or a question. There are no fees for consultations, quotes, or plan comparisons.

Question 3

Do you only serve Little Rock, or do you work with clients across Arkansas?

Accepted Answer

Our office is in Little Rock, but we serve clients throughout central Arkansas — including Conway, North Little Rock, Maumelle, Benton, Bryant, Sherwood, Jacksonville, Cabot, Hot Springs, Searcy, Pine Bluff, Russellville, and surrounding areas. Many consultations happen over the phone or video call, which makes it easy to work with clients anywhere in the state.

Question 4

I already have insurance through my employer. Do I need to talk to you?

Accepted Answer

It depends on your situation. Employer-sponsored coverage is often the most affordable option for health insurance — but it may not be the best option for life insurance (group life is typically 1-2× salary, far less than most families need), and it provides no retirement income planning. Many of our clients have employer coverage but work with us to fill gaps: supplemental life insurance, individual health for a spouse not covered by work, annuities for retirement income, or Medicare planning as they approach 65.

Question 5

What carriers do you work with?

Accepted Answer

We work with multiple carriers including Blue Cross Blue Shield of Arkansas, United Healthcare, Humana, Mutual of Omaha, Aflac, Aetna, and others. The right carrier depends on the product, your health profile, and your budget. We shop the market to find the most competitive rates and the strongest policy for your specific needs.

Question 6

Are you certified to help with Medicare plans?

Accepted Answer

Yes. Lancaster Cook is AHIP certified (America's Health Insurance Plans), which is the industry standard certification for agents selling Medicare products. We can help with Medicare Supplement (Medigap) plans, Medicare Advantage plans, and Medicare Part D prescription drug plans. We are licensed to sell insurance in Arkansas (License #8021079) and are not affiliated with or endorsed by Medicare or any government agency.

Health Insurance, Life Insurance
& Annuities in Little Rock

What We Help You With

Life Insurance