Anil Khanchandani, CLTC®
Family first. Clarity before coverage.
I’m Anil. Family is at the heart of how I work. I help families and business owners understand their insurance choices, prepare for life’s changes, and protect the people who depend on them.
Whether you’re approaching Medicare, thinking about extended care, or protecting a growing business, our first conversation starts with what matters to you.
Licensed life & health insurance producer · CLTC® · New Jersey Notary Public
Why I Do What I Do
Growing up, I saw how an insurance decision could affect a family long after the paperwork was signed. That experience shaped the way I work today: listen first, explain clearly, and give people room to decide.
Behind every question is someone you care about — children who rely on your income, a spouse facing retirement, or a parent who may need care. I want you to understand your choices before you make a commitment.
Since September 2023, US Life Solution LLC has served families through life and health insurance, retirement-related insurance services, and in-person notary services.
200+ families served across these services.
Credentials & licensing
CLTC®
Training to help families plan for extended care.
24 states
Insurance services in the states where I’m licensed.
Independent
Options from more than one insurance company.
License details & states
CLTC® granted August 12, 2026 by Certification for Long-Term Care.
New Jersey producer license #3002680466 · California license #4428939.
CA, CO, CT, DE, FL, GA, HI, IL, KY, LA, MD, MA, MI, NV, NJ, NY, NC, OH, PA, SC, TN, TX, VA, WA.
Product availability and carrier appointments vary by state.
Also a New Jersey Notary Public. In-person notary services are available by appointment; notary services do not include legal advice.
Compensation & scope of services
I receive commissions from insurance carriers when policies are placed. I do not charge consultation or service fees. There is no obligation to apply.
For tax, legal or investment advice, involve the appropriate qualified professional.
How I can help you protect what matters
Your insurance decisions connect to one another. I help you look at the protection you have, understand potential gaps, and explore available insurance options. For tax, legal and investment advice, we involve the appropriate qualified professionals.
- Life insuranceProtection for the people who depend on your income.
- Retirement protectionUnderstand annuity options, guarantees and limitations.
- Medicare & health coverageCompare available coverage, costs and enrollment steps.
- Extended-care planningConsider how care needs could affect your family.
- Business protectionExplore key-person and buy-sell funding options.
- Estate fundingExplore insurance for legacy and liquidity needs with your legal and tax professionals.
- Social Security educationUnderstand the questions to consider before claiming.
- Income protectionReview coverage for an illness or disability.
A Closer Look at Medicare
Turning 65, leaving employer coverage, or reviewing your current plan? We’ll start with your doctors, prescriptions, location and priorities, then discuss available Medicare insurance options where I’m authorized to offer them.
I explain premiums, out-of-pocket costs, networks and coverage limitations. I receive carrier commissions and do not charge consultation or service fees. There is no obligation to enroll.
Start with the Turning 65 guide →
Medicare Advantage · Medicare Supplement · Request a Medicare callback
What working together feels like
A conversation starts with you.
Tell me what’s changing in your life and what you want to protect. We’ll review your questions, discuss available insurance options, and take the next step at your pace.
- Personal: Your priorities shape the conversation.
- Clear: We discuss costs, limitations and alternatives.
- No pressure: You can ask questions and take time to decide.
Conversations are available in English, Hindi and Sindhi, by phone or Zoom, or in person by appointment at the Secaucus or Somerset office. Other meeting arrangements can be discussed.
Simple. Structured. Strategic.
- Start with a conversation.
Share your priorities and the questions you want answered. - Understand your choices.
Review available options, costs and coverage limitations. - Choose your next step.
Proceed when you’re ready, with help understanding the application process.
Timing depends on your needs, the product and any underwriting requirements.
Who I help
- Families protecting income and loved ones
- People approaching Medicare or retirement
- Business owners and self-employed professionals
- Families preparing for extended-care needs
- People reviewing a change in work or coverage
Not sure where to begin? Bring your questions — we’ll start there.