Life and Health Insurance Advisors
At True Health Insurance Group (formerly 12 Stones Financial Services), we bring together comprehensive Medicare health solutions and family protection life insurance to safeguard what matters most at every stage of your life.
Complete Protection Tailored to Your Family & Health
Whether you are transitioning into retirement or seeking financial security for your loved ones, we provide clear, objective recommendations.
Medicare & Senior Health
Expert navigation of Medicare Advantage (Part C), Medicare Supplements (Medigap Plans G, N), Prescription Drug Plans (Part D), and senior dental & vision packages.
- Doctor & hospital network verification
- Prescription formulary optimization
- Turning 65 enrollment coordination
Life Insurance Planning
Protecting your spouse, children, and legacy with tailored Term Life, Whole Life, Universal Life, and Final Expense coverage tailored to your budget.
- Income replacement for families
- Mortgage protection strategies
- Final expense & burial policies
Retirement Health Solutions
Guidance for professionals exiting employer group health insurance, evaluating COBRA vs. Medicare, and coordinating retirement coverage.
- COBRA vs. Medicare comparison
- HSA contribution timeline rules
- Long-term care riders & annuities
Your Trusted Insurance Advisors
True Health Insurance Group (formerly 12 Stones Financial Services) is led by licensed insurance partners David Morris and Scott Stanwix. Based in Richardson, Texas, we proudly serve clients nationwide.
David Morris
Licensed Insurance Agent / Partner
Specialized in Medicare, Medigap supplements, and retirement healthcare transitions.
Scott Stanwix
Licensed Insurance Agent / Partner
Specialized in comprehensive life protection, health insurance, and family financial defense.