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Term Life

Critical Illness 

Income Protection for specific events 

Your Check


Better Insurance Benefits

What is Critical Illness Insurance ? 


What is Income Protection?  Wrapped around a term life insurance policy. Income protection does just that, it protects your income when sickness or disability strikes. Health Insurance will cover most all of your hospital bills, minus your deductible and out of pocket maximum. But what about all of the other thousands of dollars in bills you have every month?  Who is going to replace your income? What if you need to pay to help relatives move closer? Critical Illness, Accident Disability, Long Term Care, these things happen to people every day. 


So why don't more people have this kind of protection? That's why we're spreading the word.


Wouldn't you rather get a check for $100,000.00 - $500,000.00 instead of a get well card?


Before now there was just option "B", the old way where you had to buy 3 different policies including Critical Illness, Disability, Long Term Care that could cost as much as a house payment.


Now there is an Option "A". Safe Harbor term protection. An inexpensive way to protect you and your family when life happens.


Choose THE NEW WAY - SafeHarbor

The new way that allows you to protect your family with $25,000 - $475,000.  A tax free check deposited straight into your account that will allow you to provide for your family. Be kind to your self while YOU recover and heal when the unexpected strikes.  Life insurance that truly helps you through life's toughest times, but critical illness protection is even more crucial.  Let safe Harbor be there when  life happens.   Fill out the form to below for a personal quote today.

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*The advertised prices under $50/mo is based on a study for the Department of Health and Human Services which found that 46% of people paid $50 or less for an Obamacare Plan after subsidies (Burke, Misra, and Sheingold, p.2, 2014). The full study can be found here:

This website is operated by Health Options Insurance and is not the Health Insurance Marketplace website. In offering this website, Health Options Insurance is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state including medicaid ( free o, go to the Health Insurance Marketplace website at HealthCare.gov or your state run Marketplace.*Not connected with or endorsed by the United States government  3601 SW River Parkway. Portland OR, 97239

Health Options Insurance Agency is the d/b/a or assumed name of Benjamin Omlid, which is NOT  licensed as an insurance producer. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled.