Additional Insurance Services

Annuity

You can grow your retirement nest egg despite uncertain markets, and protect your family from an uncertain future. We can assist you with the right plan. What makes us different, is that we build life insurance around people, not policies.

An annuity is a long-term retirement savings product that can help protect you from outliving your money. It is a contract between you and an insurance company. When you put money into an annuity, you create something that will, in turn, pay you an income month after month, year after year, for as long as you live, if you like.

Retirement/Savings Account

Nothing is more important than making sure your retirement income lasts a lifetime.

Have all the ups and downs of the financial markets hurt your retirement security? If you are in Retirement, or thinking ahead of time for Retirement, even short-term portfolio losses can have a huge long-term impact on your retirement income.

There are important things to consider, which will help you secure your retirement, such as: the rising health care costs and the different risks you face in retirement. We have innovative ways to help with your income for retirement, protecting it from future market downturns.

Long Term Care

Long-Term Care Insurance covers care generally not covered by health insurance, Medicare of Medicaid. Your loved ones who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living.

Services Provided by Long-Term Care Insurance

Long-Term Care is a service provided in the form of home health care, assisted living facilities, community care and as a last resort, nursing homes. Long-Term Care is not just skilled care, which most people associate with nursing homes. In fact, about 95% of all care is Custodial Care that you could receive in your home, with an aid coming to help with everyday things like cooking and cleaning, and helping with your Activities of Daily Living, which are eating, bathing, dressing, transferring, toileting and continence.

Cost of Long-Term Care—The Problem

Consider the high average annual cost of Long-Term Care:

What if you could protect yourself from possibly the greatest financial risk you will face in your retirement years? With Long-Term Care Insurance, most, if not all, costs can be covered, depending on the policy. Imagine how relaxed you would feel, knowing that you planned ahead and are protected.

We can provide quotes, reviews, company comparisons and other information that will help you make your decision. Allow us to do the shopping for you.

Disability

What is your most valuable asset? It’s not your house or your car. It’s your ability to earn an income. The risk of a disability is high. The relative cost of insurance is low. We help our clients with solutions.

Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your income on a tax-free basis, should a sickness or injury prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is different; this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.

We can provide quotes, reviews, company comparisons and other information that will help you make your decision. Allow us to do the shopping for you.

International Insurance

International Insurance provides answers to people’s needs for adequate insurance in the fields of disability, medical like, kidnap/ransom, and contingency insurance. Offering a customized insurance plan which is not intended to compete with the traditional carriers, but instead to supplement your coverages where needed.

Wedding Protection

Our Agents are California independent insurance brokers who care and specialize in all types of insurance, even your wedding! Your special day is very important; for you and those that have worked for this day, let us protect all that you have invested into it. Some examples of what wedding protection would cover are postponements, lost deposits, special attire, special jewelry, and liquor liability. Please follow the link below for more information.

Special Event Insurance

Special Event insurance is a temporary insurance policy that can provide coverage for as little as a day. Special events may include Church events, community events, birthdays, parades, and charity walks.

Other States

Our Agents are California independent insurance brokers who care and specialize in all types of insurance. To better serve you, we may be able to assist you with your insurance needs in the following states:

• Idaho
• Arizona
• New Jersey
• Ohio

We have access to many top-rated companies in these states and can provide you with quotes and other information if needed for the specific state. It can be very time consuming and confusing to find insurance in another state. Allow us do to the shopping for you!