James A. Ward Jr., LIC, Medicare Insurance Agent

About Me

Since 2003, James A. Ward, Jr., LIC is President & CEO of Ingenuity Group, LLC (Clarkston, MI), an Independent Commercial & Personal Insurance Agency, Employee Benefits, Medicare Insurance Solutions, and fee based Insurance Consulting Services firm serving Executive Management, Board of Directors, Employees of Small and Middle Market companies, Non-Profits, Associations, Families / Individuals located in Michigan and Florida..

Ingenuity Group provides Commercial & Personal Insurance Services, Employee Benefits, and Medicare Solutions as an Agent or Licensed Insurance Counselor. Our Strategic Markets include: Non Profits, Healthcare, Financial & Insurance, Wholesale Distribution, Manufacturers, CPAs, Human Resource & Management Consultants, and Law Firms.

Insurance Licenses

State of Michigan (Resident Agency/Agent Insurance Licenses)

Property, Casualty, Life, and Accident & Health, Variable

(LIC) Licensed Insurance Counselor (Property & Casualty)

with permission for Accident & Health Insurance Consulting - Fee Based Services

Non-Resident Agency / Agent Insurance Licenses:

Florida

Specialty Insurance Certifications

(AHIP) America's Health Insurance Plans - Self Insurance Certified

Flood Insurance (NFIP) Commercial, Condominium & Dwelling

2026 PPACA - Federal Marketplace Exchange Certification

for Individuals and Families

Medicare Insurance Solutions

2026 (AHIP) America's Health Insurance Plans Medicare Certified

2026 Centene Wellcare Medicare Advantage, Medicare Supplement, PDP Certified

2026 (HAP) Health Alliance Plan Medicare Advantage, Medicare Supplement, PDP Certified

2026 BCBSM / Blue Care Network Medicare Advantage, Medicare Supplement, PDP Certified

Get in touch with James A. using this form

Your Name

Zipcode

Phone

Message

Please enter the word: Medicare

I acknowledge that a licensed insurance agent may contact me by phone, email, or mail, to discuss Medicare health plan options, including Medicare Advantage, Medicare Part D and Medicare Supplement plans. I accept the terms of service and privacy policy. This is a solicitation for insurance. Your information will ONLY be sent to James A. Ward Jr., LIC. No other insurance agents or agencies will receive this inquiry.

Medicare Disclaimer (2026): We do not offer every plan available in your area. Currently, we represent "3" organizations which offer "X" plans products in your area. Please contact Medicare.gov or 1-800 MEDICARE, or your local State Health Insurance Program to get information on all your options. INSURANCE BINDER REQUEST, POLICY ENDORSEMENT REQUEST, OR POLICY CANCELLATION REQUEST NOTICE: Please remember that insurance coverage cannot be bound, amended or canceled by leaving an electronic or voice mail message. You must speak with an authorized Ingenuity Group LLC - Licensed Agent to prepare a proper Binder Request, Policy Endorsement Request, and / or Policy Cancellation Request - subject to submission of properly signed forms and / or down payment requirements. In addition, Insurance coverage is not bound, amended, or cancelled until confirmed in writing by an authorized Insurance Company Underwriter. CONFIDENTIALITY DISCLOSURE : This e-mail message and any attachments are the property of Ingenuity Group, LLC and may contain privileged, confidential, proprietary, or otherwise protected private information meant solely for the intended recipient. If you are not the intended recipient, you are hereby notified that any use, dissemination, distribution or copying of this communication is strictly prohibited. Please notify the sender immediately by replying to this message, then destroy and delete the e-mail and any attachments from your system. Lastly, we have made all reasonable efforts to ensure that this email and any attachments are free from viruses but it is the responsibility of the recipient to carry out all necessary virus checks and Ingenuity Group, LLC accepts no liability in connection therewith. Thank you.

James A. Ward Jr., LIC, Medicare Insurance Agent