Insurance Brokerage

 Life Insurance

Because Life Insurance plays a very important role in Retirement Planning, Pension Planning and Estate Planning, we have carefully cultivated beneficial relationships with some of the strongest and most innovative Insurance Carriers in the industry. We feel that it is CRUCIAL that your Financial Professional be TRULY independent when it comes to Insurance company affiliations because new products are being introduced all the time, and underwriting criteria change frequently - even with the same carrier. To demonstrate independence, I will include a link to the California Department of Insurance website where you can search by my license number (OB33627) to see the number of companies with which I am appointed: CA Insurance Commission

Disability Insurance

Disability Insurance can be the most important element of an individual or family's foundation of safety. The risk of disability before retirement is much greater than the risk of death before retirement (at a typical age of 65). Additionally, although a person is still present (in some form) after being disabled, the financial burden on the family can be much worse (ironically) than if the person had died - particularly if he/she happens to be the main breadwinner.

Since many of our clients are professionals with disability concerns unique to their highly refined job skills, we have done a great deal of groundwork to identify the most competitive Insurance carriers - FOR PARTICULAR OCCUPATIONS.

Disability Insurance is also an absolutely critical part of any enterprise's Buy-Sell Agreement (essentially a pre-nuptial agreement for business associates). There are special DI policies - called Disability Buy-Out policies - just for this purpose, where the proceeds are paid either in a lump sum or over 3 to 5 years to the entity/business, providing the liquidity to enable the remaining owners to purchase the disabled associate's share of the enterprise.

Long-Term Care Insurance

Long-Term Care insurance can be one of the most important ingredients in a comprehensive Retirement plan.

When we ask retirees and seniors about their most important concerns, we always hear the following words:

INDEPENDENCE, SELF-RELIANCE, CHOICE, DIGNITY, NOT BEING A BURDEN TO OUR LOVED ONES.

Call us now - (800) 577-1035

The California Partnership for Long-Term Care  is an innovative program sponsored by the California Department of Health Services that, in concert with major national insurance companies, provides a unique consumer-friendly Long-Term Care insurance program to residents of California. Once the policy is issued, benefits will be paid even if the insured moves to another state. This is the only pay-as-you-go Long-Term Care insurance policy incorporating Lifetime Asset protection.

Please call us or email us for a free estimate of your cost for a California Partnership policy, and take this opportunity to go to the Partnership website for more general information: 

http://www.dhs.ca.gov/cpltc/HTML/consumer_pages/default.htm

Long-Term Care insurance can protect your Retirement Nest Egg!