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Common Questions

Frequently Asked Questions

Answers about how we work with clients on life insurance, health insurance, Medicare, retirement planning, and supplemental benefits.

Working With Us

What does a first consultation include?

Your first consultation is free. We listen to your goals, review what you already have (if anything), and explain options in plain language — no pressure and no obligation.

Are you a captive agency tied to one insurance company?

No. Star Forward Solutions is independent. We work with multiple carriers so recommendations are based on your needs — not a single company's product list.

What states are you licensed in?

We are licensed in Texas, California, Delaware, Louisiana, Florida, New Mexico, Nevada, Ohio, Tennessee, and Georgia. If you're elsewhere, ask us — our network is growing.

How do I get started?

Use the contact form on any page (scroll to Contact), email vlowens@starforwardsolutions.com, or book a consultation through our bookings page. We'll follow up promptly.

Medicare & Retirement

Can you help if I'm turning 65 soon?

Yes. Timing matters for Medicare — we help you understand Initial Enrollment Periods, penalties to avoid, and how Part A, B, C, D, Advantage, and Medigap fit together.

Do you offer retirement income planning?

Yes. We help clients evaluate annuities, Indexed Universal Life (IUL), 403(b) plans, and other strategies focused on income you can't outlive — aligned with your timeline and risk comfort.
What Our Clients Say

What Our Clients AreSaying

Real guidance. Real clarity. Names updated when testimonials are finalized.

Star Forward Solutions changed how I think about my retirement. Vickie took the time to explain everything, and for the first time, I felt like I actually understood my options.

C
Client
Texas

I was completely lost when it came to Medicare. Vickie walked me through every step and made sure I had the right plan. I felt taken care of the entire time.

C
Client
Houston, TX

As a business owner, I never thought much about key person insurance. Vickie helped me see how important it was — and now I have peace of mind I didn't know I was missing.

C
Client
Business Owner

Star Forward Solutions

How Can We Help?

Licensed in 10 states. Independent guidance — not a call center. Reach out anytime.

  • Prompt follow-up
  • First meeting free
  • Licensed & independent
Or book a consultation: Book free consultation