Karcz Advantages
Your Home Town Medicare Experts


Did you procrastinate and not sign up ???? There is still time to make changes Medicare
open enrollment starts Jan 1 thru March 31st call us and see how we can help.


Karcz Advantages Agency was created in 2020 by Brian & Holly Karcz with over 18 years of expereience. The Agency serves the states of WI + IL with several agents including Bilingual to assist you. We are privileged to represent and offer the most preferred top rated companies in the industry. Our agency prides itself by serving individuals and families with health, life + hospital indemnity insurance. At Karcz Advantages we are committed to simplifying your choices.
Our goal is to ensure you have easy access to benefits, services and local support you deserve.


There are many benefits to investing in insurance. Insurance helps you manage risk. You face many risks in your everyday life, and these risks change over time. Here are a few examples of the benefits you will get with insurance:

Life insurance can be an important part of your financial strategy.

That’s because a life insurance policy can help you ensure that your loved ones have a secure financial future after you pass away.

Not only can life insurance help cover your final expenses — it can also provide your family with a financial safety net by helping to replace your income or serving as an inheritance for a loved one. Read on to learn about some of the ways life insurance benefits may be used:


Life insurance benefits can help replace your income if you pass away. This means your beneficiaries could use the money to help cover essential expenses, such as paying a mortgage or college tuition for your children. It can also be used to pay off debt, such as credit card bills or an outstanding car loan.

Medigap Supplement Insurance?

Medigap is Medicare supplement insurance that helps fill “gaps” in original Medicare and is sold by private companies. Original Medicare pays for much, but NOT all, of the cost for covered healthcare services + supplies. A Medicare supplement insurance (Medigap) policy can help pay some of the remaining healthcare costs like:


the quality of our service is based on our trained licensed agents and their professionalism. All of our agents are certified with continuing education to meet compliance and ethics standards.