LiveWell Protection Group

Insurance is More Than Just a Policy

By Janette Calabro 

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When Darla Anderson and her daughter, Ali Crouch, opened LiveWell Protection Group in 2024, they had a simple goal: to create an insurance experience that felt a lot more personal. They wanted to use their combined 13 years of industry experience (eight for Darla and five for Ali) to build an agency where clients felt heard, understood, and genuinely cared for. Walk into LiveWell Protection Group, and the conversation isn’t simply about choosing an insurance policy. It starts with getting to know the person sitting across the table.

 

“We wanted to open an office where people could really feel the family vibe and the caring experience,” Darla says. That philosophy lives at the heart of LiveWell Protection Group, where customized health and life insurance solutions are built around each individual. While a large portion of their clients are seniors, the agency works with people of all ages. They specialize in health insurance products for those who are retirement age, as well as life insurance.         For Ali, creating meaningful relationships is just as important as finding the right coverage. “We’re not just salespeople,” she says. “We’re building connections and relationships. We’re taking care of people! It’s very individualized.”

 

“We listen to their stories,” Darla continues. “We truly care about their families, their hobbies, their whole background. We want to make sure they realize that their policy needs to be catered to them.”

 

This individualized approach matters because what works for one person may not work for another—even if they happen to be neighbors, siblings, or spouses. The LiveWell team considers everything from medications and doctors to individual needs and circumstances when helping clients identify and choose their insurance options. 

 

Once the policy is in place, the relationship doesn’t need to end, Ali points out. “I have clients who call just to tell me about their day!” she says with a laugh. “We listen and make a friendship-family from it.”

 

The mother-daughter team calls their philosophy a client-first approach: doing what is right for each person, every time. “LiveWell Protection Group is an agency that wants to help you in every avenue possible,” Ali says. “If we can’t do it, we’ll find a resource.” That might include an attorney referral, help in finding financial resources, assistance with hospital or living arrangements, or guidance through the Medicaid process. 

 

Some of the biggest misconceptions Ali encounters are (1) that a plan that worked well this year will automatically be the right choice next year, or (2) that a more expensive policy must provide better coverage. “Just because your neighbor has it, that doesn’t mean it will work for you,” Ali says. “Not everybody needs every type of insurance.” She remembers visiting a couple who were paying approximately $2,000 a month for health insurance. After reviewing their situation, Ali was able to reduce their premium to about $150 per month while maintaining comparable coverage. Amazing! Her point? Don’t assume that paying more means you’re getting more. 

 

Because circumstances and insurance plans can change, the LiveWell team encourages clients to review their coverage regularly. For Medicare beneficiaries, the annual enrollment period is particularly important. Anything that includes your drug plan should be reviewed between October 15th and December 7th.

 

Darla’s passion for helping people find affordable coverage comes partly from personal experience. After working at the Better Business Bureau, she entered the insurance industry and discovered how deeply insurance costs and access can affect families. She and her son both have Type 1 diabetes, so she understands firsthand the challenges of expensive medications and health care. “I love making a difference in people’s lives and helping them save on medications and doctors,” Darla says. “I’ve been there.”

 

Ali’s path to the insurance industry followed seven years in the Army, where she learned that people sometimes need an advocate when life gets difficult. Today, she brings that commitment to her insurance clients, taking time to explain the details that can sometimes seem confusing or overwhelming. 

 

Both women pride themselves on being accessible when their clients need them. Clients are welcome to reach out to them by phone, email, or text when questions arise. “Don’t think you’re out there alone trying to figure this out,” Ali says. People in Omaha and the surrounding areas need a place they can trust, and Ali and Darla are proud to serve their community in that capacity. 

 

At LiveWell Protection Group, the most important kind of protection they offer is the reassurance that someone is in your corner. LiveWell Protection Group is located at 9910 North 48th Street, Suite 200, in Omaha. You can reach Darla at 402-917-3499 or danderson@asb.insure. You can reach Ali at 402-594-6780 or acrouch@asb.insure. Visit them online at lwpg.net. 

 

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