Life Insurance
It’s not just for death.
Protecting loved ones is a priority and we help to clarify all the different options. Life insurance has many different purposes and what you need to know about the type that is specific to your needs can make all the difference in the world. Be it, whole life, term. universal life or many of the other choices available, knowing which is right for you is how we can help.
Disability Income Insurance
What if you got sick or suffered an injury and couldn’t work?
A disability insurance policy can help you meet a portion of those day-to-day expenses that won’t go away, such as the mortgage, groceries, education and retirement funding. Did you know you have options about this kind of coverage? You may even be eligible for free coverage. Call us.
Long Term Care Insurance
We are living longer lives. The goal becomes to remain comfortable and independent.
No one wants to burden loved ones. Long-term care insurance is a policy that can assist in offsetting the expenses that occur when faced with a long-term illness or disability; helping to protect your assets, while preserving independence.
Health Insurance and the ACA
The health insurance landscape in California is under a great deal of change. No matter what the commercials say it does matter which plan you choose. If you want to go thru the exchanges we can make that much easier than sitting on hold with Covered California. If you do not qualify for a subsidy you most definitely need to call our office. The plans may all be “equal” in coverage but that doesn’t mean they pay equally to the doctors you would like to go. Going off the exchange is not only sometimes a better bargain but it can often be the difference of having a doctor take your insurance. We can work on and off the exchange to get you the best policy out there for you. Depending on your city you need to make sure not only your doctors are on the plan but that your local hospital is also covered. If you want to look at quotes feel free to use this link and it will take you to our personal Blue Cross page.