Why Clients Choose Me
CLEAR, SIMPLE GUIDANCE
I explain your options in plain language so you can make confident decisions without confusion or pressure.
PERSONALIZED
RECOMMENDATIONS
Every client is different. I help you choose the plan that fits your needs, budget, and long-term goals.
ENROLLMENT
I help guide you through the enrollment process and assist with required paperwork to see you thru the end.
BILINGUAL SUPPORT
I proudly serve both English- and Spanish-speaking clients across New Jersey with clear, respectful communication.
Jose F. Perez Alarcon
Protect your loved ones with term life, whole life,
or final expense coverage — and secure
guaranteed retirement income with fixed and
indexed annuities. I’ll help you compare options
so you can choose the plan that fits your goals,
budget, and long-term financial needs.
Life Insurance &
Annuities
PROTECTION FOR YOUR FAMILY
AND YOUR RETIREMENT
Why Clients Choose
Me
I help individuals and families enroll in
Affordable Care Act (ACA) health plans through
the New Jersey marketplace. I’ll guide you
through subsidies, eligibility, and enrollment.
ACA Health Insurance
MARKETPLACE ENROLLMENT
SUPPORT
CLEAR, SIMPLE GUIDANCE
I explain your options in plain language so you can make confident decisions without confusion or pressure.
PERSONALIZED
RECOMMENDATIONS
Every client is different. I help you choose the plan that fits your needs, budget, and long-term goals.
ENROLLMENT
I help guide you through the enrollment process and assist with required paperwork to see you thru the end.
BILINGUAL SUPPORT
I proudly serve both English- and Spanish-speaking clients across New Jersey with clear, respectful communication.
GROUP HEALTH PLANS
908-498-7356
I work with Horizon, AmeriHealth,
UHC/Oxford, and Aetna to help
small businesses offer competitive
employee benefits.
ICHRA Plans
(Individual Coverage HRAs)
I help small businesses offer flexible,
tax-advantaged health benefits
through ICHRAs — giving employees
more choice while controlling
employer costs.
Helping you compare Medicare Advantage plans
that include Part A, Part B, and often Part D, plus
additional benefits like routine dental, vision, and
hearing. Choose a plan that fits your doctors,
prescriptions, and budget.
Medicare Advantage
COVERAGE OPTIONS FOR
SENIORS
Affordable dental and vision coverage for
individuals, families, and seniors — including
cleanings, exams, glasses, and more.
Dental & Vision Plans
AFFORDABLE COVERAGE FOR
EVERYDAY CARE
Compliance Notice:
Currently We do not offer every plan available in your area.
Currently we represent 4 organizations which offer 51 products
in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get
information on all of your options.
.
Coverage that helps pay for home care, assisted
living, and nursing care. Protect your savings and
reduce the financial burden on your family with
flexible LTC insurance options.
Long Term Care Insurance
COVERAGE FOR FUTURE CARE NEEDS
Guaranteed income solutions designed to
protect your retirement. Compare fixed and
indexed annuities that offer tax‑deferred
growth, lifetime payout options, and financial
security for the future.
Annuities
GUARANTEED RETIREMENT INCOME
Helping you compare Medigap plans that cover
deductibles, copays, and coinsurance. No
networks — see any doctor nationwide who
accepts Medicare.
