Life & Health Coverage — Powered by Defender Financial Group

Protect What
Matters Most.

From term life to Medicare, we connect you with the right coverage through our partnership with Defender Financial Group and over 30 top-rated carriers. Real guidance. Real options. No pressure.

Explore Life Insurance Explore Health Insurance
Robert Moore, Principal at Defender Financial Group

Robert Moore

Principal, Defender Financial Group

Independent Insurance Broker

Hi, I'm Robert Moore.

Defender Financial Group was built on one simple belief — you deserve honest, straightforward guidance without the runaround. With over 30 years serving families, veterans, and business owners across 14 states, I've made it my mission to simplify insurance and find the right solution for every client's unique situation.

As an independent broker, I'm never tied to one company or one product. I shop dozens of carriers to find coverage that actually fits — whether that's Medicare, life insurance, retirement planning, or protecting your business. My guidance is always free.

The Real INS Group partners with Defender Financial Group to bring you access to 35+ life and health carriers — all backed by real people who care about getting it right.

Book a Free Consultation Send Us a Message
30+
Years Experience
35+
Insurance Carriers
14
States Licensed
5★
Client Rated

Why Choose Us for Life & Health

35+ Carrier Options

We shop the market so you don't have to. Access to over 35 life and health carriers means more choices, better rates, and coverage that actually fits your situation.

No-Cost, No-Pressure Guidance

Our guidance is always free. We're compensated by carriers, not by you. We educate first, sell second — you'll understand every option before making a decision.

Licensed Across 14 States

IN, OH, MI, PA, KY, TN, NC, SC, VA, WV, AL, MO, WY, and growing. Wherever you are, we bring the coverage to you.

Veteran-Friendly

As a member of the Sons of the American Legion, Rob understands the unique insurance needs of those who serve. From VA benefits to specialized life coverage, we're in your corner.

Life Insurance

Coverage That Lasts a Lifetime

Whether you're protecting your family's future, planning for retirement, or securing final expenses, we offer multiple life insurance products through trusted national carriers.

Term Life Insurance

Affordable, straightforward protection for a set period. Ideal for covering mortgages, income replacement, or your children's future education costs.

Carriers
Americo Protective Prudential Mutual of Omaha Lafayette Life Nationwide F&G Foresters American Amicable Transamerica

Whole Life Insurance

Permanent coverage that builds cash value over time. A foundation for lifelong financial security and legacy planning.

Carriers
Americo Mutual of Omaha Protective Foresters Lafayette Life Nationwide Transamerica

Indexed Universal Life

Flexible premiums with growth potential tied to market indexes. Combines protection with tax-advantaged wealth accumulation.

Carriers
Americo Mutual of Omaha F&G Prudential Nationwide Transamerica

Universal Life

Adjustable coverage with flexible premium payments. Adapt your policy as your life and financial needs evolve.

Carriers
Foresters Prudential Protective

Final Expense

Simplified coverage designed to handle end-of-life costs — funeral expenses, medical bills, and outstanding debts — so your family isn't left with a financial burden.

Carriers
Americo Mutual of Omaha American Amicable Aflac Manhattan Life Allstate Physicians Mutual Cigna Gerber CICA Combined Foresters Lafayette Life Transamerica

Fixed Indexed Annuities

Guaranteed income for retirement with growth tied to market performance. Protect your nest egg while still participating in market gains.

Carriers
Athene Americo Mutual of Omaha Protective Lafayette Life Nationwide Prudential F&G
Ready to discuss life insurance? Let's talk
Health Insurance

Health Coverage for Every Stage

From Medicare enrollment to ACA marketplace plans, we help you navigate the complexities of health insurance with clarity and confidence.

Medicare Advantage

All-in-one plans that combine hospital, medical, and often prescription drug coverage. Many include extra benefits like dental, vision, and wellness programs.

Carriers
Anthem (BCBS) UnitedHealthcare Aetna Humana Zing Health MyTru Advantage Devoted HealthSpring WellCare

Medicare Supplements (Medigap)

Fill the gaps in Original Medicare. Cover copays, coinsurance, and deductibles that Medicare Parts A and B don't fully pay.

Carriers
Humana UnitedHealthcare Allstate Aflac Manhattan Life ACE Physicians Mutual Cigna Wellabe Mutual of Omaha Anthem (BCBS)

Medicare Part D (Prescription Drug)

Standalone prescription drug coverage to pair with Original Medicare or a Medigap plan. Keep your medications affordable.

Carriers
Humana UnitedHealthcare Anthem HealthSpring WellCare Aetna

ACA Marketplace Plans

Affordable Care Act compliant plans for individuals and families. Subsidies may be available based on income to lower your monthly premium.

Carriers
Anthem Ambetter CareSource UnitedHealthcare Cigna

Short-Term Health

Temporary coverage to bridge gaps between plans. Ideal for job transitions, waiting periods, or anyone who needs coverage right now.

Carriers
UH One Allstate

Dental & Vision

Standalone dental and vision plans to complement your health coverage. Preventive care, exams, and more.

Carriers
Cigna Manhattan Life Physicians Mutual Wellabe Allstate Mutual of Omaha
Need help with health coverage? Get in touch

No Medical Exam? No Problem.

We offer Modified and Guaranteed Issue policies for clients who may have been turned down elsewhere. Pre-existing conditions don't have to mean going without coverage.

Americo Mutual of Omaha Cigna American Amicable Combined CICA Gerber

Ancillaries and Long-Term Care also available as needed.

Book a Free Consultation

Let's Find Your Coverage

Whether you need life insurance, Medicare help, or health coverage, we'll walk you through your options — no cost, no obligation.

The Real INS Group

Phone: (317) 441-8846

Email: info@realinsgroup.com

Defender Financial Group

Phone: 317-468-2675

Email: rob@defenderfinancialgroup.com

Location: 222 N State St Ste 1, Greenfield, IN 46140