Elizabeth is definitely much more than my health insurance agent. I call her my insurance coach and friend because she really listened to my requests. She gave me exactly the questions to ask as I was gathering information about my current health care and then expertly navigated me through the many choices available to me. I’m now confident the choices I made were the best for me. The result - I have better and more health coverage at a lower fee than I had before!   Am I happy – yes!
Elizabeth also helped both my husband and I to see the bigger picture with Social Security, and we’re grateful for that too.  I appreciate the service she gave us through the Medicare hurdle.  I love it that I can say with confidence that I already have my Medicare and all supplemental insurance in place when some other agents call me! 

Good morning, Elizabeth,  Just want to let you know how very much you are appreciated!  Thank you so much for helping me get through long established energy patterns of resistance (you may have noticed... 😬) and into a more comfortable and confident place in the world of personal finances. Have a fun and relaxing day. Judith

Paula Easton, Asheville, NC

Diana T, Asheville, NC

Medicare Life Annuities insurance in Asheville

Robert Burkinshaw, Unicoi, TN

Elizabeth takes the guess work out of trying to figure out what to do when you start Medicare. Or even if your paying too much & want to change.  She does all the work and has your back. I totally trust her as she has saved me money and helped me with the difficult & confusing process of choosing.  Thank You Elizabeth.

Sandra Gelinas, Hendersonville, NC


Charlotte Tinker, Monterey, CA

Dawn Westmoreland, Asheville, NC

Elizabeth is the most knowledgeable person I have ever worked with in the insurance industry.  She is patient, thorough, and she has all the answers.  She truly cares about her clients.  She is my choice for all my insurance needs.

It is my privilege to write a letter of recommendation for Elizabeth Yaruss, who brilliantly served as my insurance agent over the last two years. She guided me through my options within the health care system, clarifying an unfathomably complicated system with deft and ease.  Because of Elizabeth’s scope of knowledge, as well as her unyielding dedication to her clients, I now have wonderful health care coverage at an affordable rate. In addition to acquiring health care coverage, Elizabeth assisted me in understanding and preparing the documentation needed to keep my subsidy. She is, in short, one of the most capable and organized professionals I have had the pleasure of working with.

Diane Rhoades, Hendersonville, NC

Elizabeth gave my Mother great comfort in knowing that she has the right insurance supplement that works for her needs.  I think she had been worried in the past, about overpaying for her medical insurance and maintaining her budget.  I have not seen my Mother this happy in a long time!  Elizabeth is a great resource of information  and I highly recommend her as a passionate and honest ambassador to help others with their insurance needs.  

Judith Dorsey, Lake Lure, NC

Mark Rosenstein, Asheville, NC

Hey Elizabeth this is Diane.  It's late so I’m glad you didn’t answer personally but I just want to personally thank you so much for supporting me with all my medicare and health stuff.  I just got my F supplement card in the mail today!  It did arrive and I’m very grateful for the way you are so available and so thorough in addressing my concerns.  You are such a great person to have on my team.  It is easy to appreciate you.  Thank you!

Nicole Gianturco, Asheville, NC

​Dear Elizabeth,  I found you by recommendation through one of the insurance companies you represent. I was researching Medicare Part D plans on-line for my mother-in-law (who had just fallen in the donut hole), trying to find better pricing for her in the coming year. You came to her house and we met. You signed up my husband, myself, and my mother-in-law up for Plan F policies as well as Part D policies (all different, based on medication prices for each of us).

All 3 of us had been with the same large health insurance firm for 20+ years and were hesitant to change. My mother-in-law’s policy began Dec 1, 2017and right after Christmas she went into the hospital and stayed 9 days. The bill was of course in the 10's of thousands. She was fearful of the new Medigap policy not covering adequately.  Thanks to your recommendation of the Plan F policy and choosing an A+ firm, she has received only 2 small bills not covered by Medicare.  We are firmly impressed with Cigna Medigap, and will not go back to the old (well known) firm which many people carry. Since I handle medications for all 3 of us, I have found all 3 of the Part D insurance companies easy to work with.

I used to research the companies myself. I enjoy having an independent broker who narrows down the choices to only top companies, then finds the best price from amongst them!  No surprise that you are a top 100 independent agents in SMS. Realizing that the companies offer different prices for the same Medicare products, we will be checking in with you every fall, to get best prices.  It is evident that the Medicare products are something you specialize in. I also just ordered a life policy from you, with an accident rider. I find you easy to work with in person or by phone.  Thank you again!    

Insurance and Medicare can be confusing.
I have worked with Elizabeth for three years now, she has provided clear choices, excellent advice, and has made the process of selection and enrollment very easy.
Her service is top notch and I trust her. I cannot think of a reason not to use her services.  Mark Rosenstein

Elizabeth brings to the puzzle of finding the perfect insurance program for each individual, her deep understanding of people, and her wide experience and training in dealing the the corporate world.