Open enrollment is happening now. Medicare plan changes close December 7. Marketplace plans for 2027: enroll by December 15 for January 1 coverage, or by January 15. Medicare · Marketplace plans · Call (937) 795-9877
Talk with Olive, a licensed agent
with Manna Financial Services
Life and health insurance, explained in plain English.
Manna Financial Services is a licensed, independent agency in Ohio. We compare plans from several insurance companies and help you choose coverage that fits your family and your budget.
Prefer to talk now? Call (937) 795-9877 or send a text.
Life insurance
If you die, life insurance pays money to the people you choose. They can use it for the mortgage, bills, childcare, college or funeral costs. We help you work out how much you need and which type fits.
Term life
Covers you for a set time, like 10, 20 or 30 years. It's usually the lowest-cost way to protect a growing family or a mortgage.
Learn more about term life →Whole life
Covers you for your whole life, and the payment usually stays the same. It also builds cash value over time.
Learn more about whole life →Final expense
A smaller whole life policy for funeral costs and final bills. Many plans ask health questions only, with no medical exam.
Learn more about final expense →
Many policies can also pay part of the benefit early if you're diagnosed with a serious illness. We'll show you which ones do.
Health insurance
Picking a health plan is confusing, and the wrong one can cost you at the doctor or pharmacy. We compare plans with you, check that your doctors and prescriptions are covered, and help you sign up.
Individual and family plans
No insurance through work? You may qualify for a Marketplace plan, and many people get help paying the monthly cost.
Learn more about individual and family plans →Medicare
Turning 65 or retiring? We'll explain Medicare Advantage, Medicare Supplement and Part D drug plans and compare them side by side.
Learn more about medicare →Extra coverage
Dental, vision, accident, critical illness and hospital plans help with costs your main plan doesn't cover.
Learn more about extra coverage →Small-business health plans
Want to offer health coverage to your team? We help you compare group plans that fit your budget.
Learn more about small-business health plans →
For Marketplace and Medicare plans, working with an agent doesn't change your price.
How it works
Reach out
Start a life quote online, book a free call, or just call us. Whatever is easiest for you.
Compare your options
We show you plans from different insurance companies and explain the trade-offs in plain language.
Get covered
We help you apply and stay with you through approval. After that, we're still here for questions or changes.
Hi, I'm Olive.
I'm a licensed life and health insurance agent with Manna Financial Services, an independent agency based in Fairborn, just outside Dayton. I work with people all over Ohio by phone or video.
Most people I talk with aren't sure what coverage they need. That's normal. I ask a few questions, show you clear options with real prices, and let you decide. If a small, simple policy is the right fit, that's what I'll tell you.
- Licensed in Ohio for life, accident and health insurance
- Independent: plans from several insurance companies
- Phone and video appointments statewide
Does it cost anything to talk with you?
No. Calls are free and you're never obligated to buy. If you choose a plan, the insurance company pays our agency, so you don't pay us a fee.
How much life insurance do I need?
A common starting point is enough to pay off your debts and mortgage, plus several years of income for anyone who depends on you. We can work out a number together on a short call.
What's the difference between term and whole life?
Term life covers you for a set number of years and costs less. Whole life covers you for your whole life, costs more, and builds cash value. Many families start with term.
Can you help me choose a Medicare plan?
Yes. We'll compare plans with you, check that your doctors and prescriptions are covered, and walk through what each plan is likely to cost over a full year.
I don't get insurance through work. What are my options?
You may qualify for a Marketplace plan, and many people get help paying the monthly cost. We'll check what you qualify for and compare plans with you. In Ohio, open enrollment usually runs November 1 to January 15, and events like losing coverage, moving or having a baby can let you sign up at other times.
Do you only work in the Dayton area?
No. We're based in Fairborn and help people anywhere in Ohio by phone or video.
Let's find coverage that fits.
Start a life insurance quote online or book a free call. Questions about health plans or Medicare? Call or text (937) 795-9877.