Our Founder
The Reason This Agency Exists
Isn’t a Business Plan.
It’s a personal story about a mother, a diagnosis, and a coverage option that most people, and most agents, have never heard of.
It Started With His Mother’s Diagnosis
Ben Sullivan didn’t plan to build an insurance agency. He planned to help his mother.
She was battling serious liver disease. The medical expenses weren’t just difficult, they were threatening everything the family had built. Bills from specialists. Prescriptions that cost what some families spend on groceries in a month. The kind of financial pressure that doesn’t announce itself until it’s already arrived.
Ben did what most people don’t do: he went deeper. He researched. He studied the actual structure of Medicare, not the simplified summaries, but the real layers underneath. He pushed past the surface explanations that satisfied other people.
What he found stopped him cold.
His mother qualified for catastrophic medication coverage. There was a Medicare Supplement plan designed to manage exactly the kind of costs she was facing at Mayo Clinic. The coverage existed. It had always existed. Nobody had told them. Nobody in their lives had known to look.
That moment, the gap between what was available and what people actually knew, became everything. It became Insurance Innovators LLC.
Ben Sullivan
Founder & Licensed Agent
Insurance Innovators LLC
What That Moment Built
Nearly a decade ago, Ben entered the Medicare industry with one purpose: make sure no family goes through what his went through. The information was always there. The coverage was always available. What was missing was someone who knew where to look and took the time to explain it.
That’s what Insurance Innovators is built to be, not a sales machine, not a volume shop, but an agency that operates the way a good advisor operates. Someone who listens first, researches thoroughly, and only recommends coverage that actually makes sense for your specific life.
Ben now serves clients in 38 states with a network of 20+ carrier partners and nearly a decade of field experience. He has been in the rooms where other agents miss the coverage. He has seen the billing confusion, the surprise costs, the gaps that nobody warned people about.
He built Insurance Innovators so those moments don’t happen to you.
Ben with his mother, the person who made him look harder.
“The coverage existed. It had always existed. Nobody had told them. Nobody had known to look.”
That’s the gap Insurance Innovators closes. Not with technology alone, not with the most aggressive sales approach.. but with the kind of knowledge that only comes from being in the work for nearly a decade, caring about the outcome, and being willing to look past the obvious answer.
Talk to Ben’s TeamHow We Operate
These aren’t values on a poster. They’re what Ben built into the practice from day one.
Listen Before You Recommend
Your doctors, prescriptions, budget, and preferences come before any plan comparison. We don't recommend coverage we don't understand your need for.
Explain What Others Don't
The details most agents skip.. MOOP exposure, catastrophic coverage qualifications, formulary tiers.. those are exactly what we make sure you understand.
Annual Reviews Are Not Optional
Medicare changes every year. Your life changes too. We review coverage annually because a plan that was right last year may not be right today.
Compliance Is Non-Negotiable
We operate within CMS guidelines because shortcuts don't serve clients. Clean process, accurate information, and informed decisions. That's the standard.
You Deserve Someone Who Already Knows Where to Look
That’s what Ben Sullivan spent nearly a decade building. A free conversation costs nothing. Coverage that holds costs nothing if it was right from the start.