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You deserve honest advice from someone who works for you — not for an insurance company.
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Oregon's Independent Insurance Broker for Medicare, Retirement, and Beyond
Medicare
Turning 65 or reevaluating your current coverage? I help compare Medicare Advantage, Medicare Supplement, and Part D prescription drug plans side by side — so you understand exactly what you're choosing and why.
Annuities
A fixed or fixed indexed annuity can provide guaranteed income you can't outlive. I work with pre-retirees and retirees across Oregon and beyond to build self-directed retirement income strategies grounded in your timeline and risk tolerance.
Life
Insurance
Term, whole life, or indexed universal life — I help families and individuals find the right coverage without overcomplicating it. If you've been putting this off, let's make it a straightforward conversation.
Health Plans
Whether you're shopping the ACA marketplace, considering a health sharing cooperative, or looking for small group coverage for your business, I'll help you compare real options and land on a plan that works.
College Planning
Certain insurance assets are excluded from FAFSA calculations — and most families don't know it. I help parents of college-bound students understand how asset positioning works and whether repositioning makes sense before they file.
Retirement Planning
Social Security and a 401k are a foundation — not always a complete plan. I help pre-retirees build the insurance layer of a retirement income strategy, coordinating annuities, permanent life insurance, and Medicare costs into a picture that holds up.
Oregon Insurance Guidance Without the Sales Pressure
ABOUT ARS
I'm Chris Schaefer, an independent insurance broker based in Oregon and licensed across 16 states. I work with adults navigating Medicare, families comparing health insurance options, and pre-retirees building a retirement income plan they can count on — all without the pressure of a captive agent trying to hit a quota.
Most brokers represent one or two carriers. I represent dozens, which means my recommendations are based on what fits your life, your budget, and your goals — not what's available from a single company. Whether you're in Portland, Salem, or Eugene, or you've relocated out of state and need a broker who can follow you, I'm here for the long haul.
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Why Clients stay
And Follow Me Across State Lines
I represent dozens of top insurance carriers and earn the same regardless of which plan you choose. My only obligation is finding what actually fits you.
No Quotas. No Carrier Loyalty.
Medicare, annuities, life insurance, health coverage, and retirement income planning — handled in a single ongoing relationship, not parceled out to different specialists.
One Advisor for Every Stage.
Still Your Broker, Wherever You Land.
About 500 active clients trust me with their coverage — many of whom have relocated out of Oregon and kept me as their broker because I'm licensed in 16 states.
Navigating Insurance With You
Who I Work With
I work with adults navigating Medicare for the first time, pre-retirees building a retirement income strategy, self-employed individuals and families without employer coverage, and small business owners looking for group health options. If insurance is part of the decision — whether it's your first Medicare plan, a guaranteed income strategy, or coverage for your team — this is the right place to start.
Honest insurance guidance, for life — not just for enrollment.
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Common Questions About Working With an Independent Insurance Broker
What does it mean to work with an independent insurance broker in Oregon?
An independent broker represents multiple insurance carriers rather than a single company. That means I can compare plans across dozens of providers and recommend the one that genuinely fits your needs — not the one that benefits my employer. There's no additional cost to you for using a broker.
Can you help with Medicare and annuities at the same time?
Yes. Many of my clients are working through Medicare enrollment and retirement income planning simultaneously. I'm licensed in both areas and can help you build a coordinated picture rather than managing two separate conversations with two separate advisors.
Do you only serve clients in Oregon?
Oregon is my core market, but I'm licensed in 16 states including Washington, California, Texas, Arizona, and Colorado. If you're relocating or already outside Oregon, there's a good chance I can continue working with you.
Is the initial consultation really free?
Yes, completely. The first conversation is about understanding your situation — no obligation, no pressure, and no paperwork required to get started.
Who do you typically work with?
Most of my clients are adults approaching Medicare eligibility, pre-retirees building a retirement income strategy, families comparing health insurance options, and small business owners looking for group coverage. If you're not sure whether I can help, reach out — we'll figure it out together.
Get in touch
Free Insurance Consultation —
No Commitment Required
Getting started is simple. We'll talk through your situation, your questions, and your options. No paperwork upfront, no pressure to decide on the spot.
