Case studies

Real Client Journeys.

All client details are anonymized. Numbers and outcomes are accurate.

Medicare

Medi-Cal

Dual-Eligible

Dual-Eligible Medi-Cal coordination cut a senior's monthly cost from $410 to $0

70-year-old widow, Orange County

Challenge: Living on $1,650/month Social Security with Part B premium + Medigap + Part D combined eating 25% of income.
Approach: Screened for Medi-Cal eligibility, helped apply at the county, transitioned her to a D-SNP with $0 premium and integrated benefits.
Outcome: Out-of-pocket dropped to $0. Kept her cardiologist in-network. Added dental and vision she didn't previously have.

Business

Group Benefits

Small design studio rebuilt benefits from scratch - saved 18% and added vision

12-person creative agency, Irvine

Challenge: Renewing with an old carrier whose network kept shrinking. Employees complaining about denied claims.
Approach: Re-quoted across four carriers, found a PPO with stronger SoCal network, added voluntary vision and disability at no employer cost.
Outcome: 18% reduction in employer monthly cost. 100% employee enrollment in new plan. Open enrollment completed in 5 business days.

Impaired Risk

Life Insurance

Cancer survivor placed with $250K term policy after two declines

52-year-old, 6 years remission from Stage 2 breast cancer

Challenge: Two carriers declined; she assumed she was uninsurable. Two children, mortgage, household provider.
Approach: Pre-screened informally with three specialty carriers. Submitted to the one we knew would underwrite favorably for her clinical profile.
Outcome: $250K, 20-year term issued at Table 4. Premium $145/month. Family fully protected.

Retirement

LTC

Couple's retirement plan added LTC reserve without changing income

Married, 64 and 62, Mission Viejo

Challenge: Strong nest egg but no LTC plan. Worried about one spouse's care depleting the other's retirement.
Approach: Combined a fixed indexed annuity with lifetime income riders and a hybrid life/LTC policy on the higher-risk spouse.
Outcome: Guaranteed $4,600/month joint income for life + up to $300K in LTC benefits if needed.

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Dual-Eligible Medi-Cal coordination cut a senior's monthly cost from $410 to $0

70-year-old widow, Orange County

Challenge

Living on $1,650/month Social Security with Part B premium + Medigap + Part D combined eating 25% of income.

Approach

Screened for Medi-Cal eligibility, helped apply at the county, transitioned her to a D-SNP with $0 premium and integrated benefits.

Outcome

Out-of-pocket dropped to $0. Kept her cardiologist in-network. Added dental and vision she didn't previously have.

Small design studio rebuilt benefits from scratch - saved 18% and added vision

12-person creative agency, Irvine

Challenge

Renewing with an old carrier whose network kept shrinking. Employees complaining about denied claims.

Approach

Re-quoted across four carriers, found a PPO with stronger SoCal network, added voluntary vision and disability at no employer cost.

Outcome

18% reduction in employer monthly cost. 100% employee enrollment in new plan. Open enrollment completed in 5 business days.

Cancer survivor placed with $250K term policy after two declines

52-year-old, 6 years remission from Stage 2 breast cancer

Challenge

Two carriers declined; she assumed she was uninsurable. Two children, mortgage, household provider.

Approach

Pre-screened informally with three specialty carriers. Submitted to the one we knew would underwrite favorably for her clinical profile.

Outcome

$250K, 20-year term issued at Table 4. Premium $145/month. Family fully protected.

Couple's retirement plan added LTC reserve without changing income

Married, 64 and 62, Mission Viejo

Challenge

Strong nest egg but no LTC plan. Worried about one spouse's care depleting the other's retirement.

Approach

Combined a fixed indexed annuity with lifetime income riders and a hybrid life/LTC policy on the higher-risk spouse.

Outcome

Guaranteed $4,600/month joint income for life + up to $300K in LTC benefits if needed.