Protect Your Family, Protect Your Business, and Plan For the Future
Family Services
Insurance protection designed specifically for you and your family. Find the right coverage at the right price.
Senior Services
Retirement can be stressful. Our experts are standing by to address your most pressing retirement concerns and ease you into your golden years.
Business Services
From health coverage, key-man insurance to succession planning, we are the right partners to help you make the big decisions.
Impaired Risk Services
Do you have a pre-existing condition that has gotten you turned down for life insurance? We can help you find affordable coverage to protect your loved ones.
Insurance Protection For Your Entire Family
Of Americans said their family would feel the financial impact of the death of the primary breadwinner in 6 months or less,
Comprehensive Health and Dental
College Students Comprehensive Plans
Low Cost Life Insurance
Orthodontics Discount Plans
With 29% saying it would only take 1 month for them to be in financial trouble
Covered California Authorized Agents
Complete Business Protection And Services
Group Health & Dental
Group Plans for every budget from California’s top carriers.
Key Man Insurance
Protect your business from the financial sting of having to replace those crucial to its performance.
Succession Planning
Develop a contingency plan to combat the financial problems that arise from an owner’s death, incapacitation, divorce, bankruptcy, sale or retirement.
Financing And Payroll Services
Business capital and payroll services to keep your business performing at maximum capacity.
Are You Prepared For Retirement?
Long Term Care
Create a sensible game plan to combat the high cost of long term care.
Estate Planning
Put your financial affairs in order to create a legally sound estate plan.
Medicare Plans
Learn about Medicare Advantage and Medicare Supplement plans.
Dental & Vision
These can be expensive medical concerns in retirement.
Travel Insurance
Keep your trip running smoothly with Travel Insurance.
Retirement Income
Learn about ways to maximize your retirement earnings while keeping risk low.
Life Insurance Solutions With Pre-Existing Conditions
With our impaired risk services, we specialize in getting an offer for coverage from highly rated carriers for clients with pre-existing conditions.
Cancer
Each form of cancer has its own unique features. Survival from one form of cancer can be much higher than for another. Some forms of cancer require a two-year waiting period, while other forms may require over ten years from the last date of treatment before a company will consider you for life insurance.
Diabetes Melitus
Getting life insurance with diabetes will depend on the type of diabetes and the severity of the disease, how well it is being controlled and for how long it has been controlled.
Heart Disease
Coronary heart disease depends on the severity of the case. Someone who has battled and taken a turn for the better may qualify for a standard rating at best, while others may quality for a below standard rating.
Stroke or TIA
Approval will depend severity of the stroke, the damage done, how long it has been since your episode, how well you are currently taking care of yourself, what medications you are taking, and what the medications are treating.
Alcohol & Drug Abuse
Most insurance companies will want to see a successful “history of sobriety” prior to approving a recovering alcoholic or drug abuser for life insurance.
Weight Issues
Some carriers are more liberal than others when it comes to weight issues. Having weight issues with another complication such as hypertension or diabetes may lead to a difficult underwriting.
If you don’t see your condition, give us a call and let us see if we can help find an affordable protection plan for you and your family.