Life, Health & Accident Insurance Begins
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We are an independent insurance agency for Life, Health & Accident insurance.
This means we are not bound by one insurance company,
our responsibility is to deliver the best results for you.
We focus on identifying challenges and solving them for you.
Frequently Asked Questions
Do I really need life insurance?
If your family relies on your monthly income, then you should consider buying life insurance. The tragic loss of losing a loved one is compounded when the reality of the mortgage, education and daily expenses become due.
I have minor children and I want to protect their future; how do I get started?
It is admirable that you are thinking of them. You probably already have an idea of what you want to do for them. On our website, we have a quote tool with an accompanying calculator. Use the calculator to make sure you have all the expected costs covered.
What is a life insurance rider?
A rider is an insurance company's offer of customizing an insurance policy for a policyholder. There are a variety of riders that are available depending on the insurance company.
What is an Accidental Death Benefit Rider?
It is a rider when purchased provides additional life insurance coverage in the event the death of the insured was an accident.
What is a Waiver of Premium Rider?
It is a rider when purchased provides premium payment coverage if the insured becomes disabled and unable to work.
What is an Accelerated Death Benefit Rider?
It is a rider when purchased permits the insured to collect a portion or all the death benefit when diagnosed with a terminal illness.
What is a Long Term Care Rider?
It is a rider when purchase it permits the insured to collect a portion or all of the death benefit to pay for a nursing home, assisted living or in-home care when the insured needs this type of assistance.
What is a Guaranteed Insurability Rider?
It is a rider when purchased permits the policyholder to purchase additional insurance at a later date without a medical review.
Is business life insurance expensive?
Term life insurance is one of the most affordable ways to protect your business and family. Yet, it is not the only solution available to you. We recommend a Business Discovery Call because a business is an important part of your family's income. It is always best to protect your family's primary source of income. Schedule a Business Discovery Call today.
How do I determine if I need Key Person Life Insurance?
Key Person Life Insurance can be for an owner, investor, or key employee. An owner may want to have Key Person insurance to cover any debts the company may have that are tied to personal family assets. An investor may be interested in having Key Person life insurance to protect their investment. A business owner may have key employees that handle the day-to-day operations of the business and the loss of those key people would have a devastating effect to the business. The key aspect of Key Person Life Insurance is that it provides for a smooth transition to maintain stability instead of a chaotic transition.
How many employees do I need to start a group health policy?
You can begin a group health policy with 2 employees.
What do I need to do to begin?
First, Schedule a Business Discovery Call so we can find out the details of your business and have an understanding of what we should be quoting.
Does the supplemental insurance company pay the doctor or hospital?
No. Your supplemental policy is with you and you will be paid directly by the insurer.
Can I pay you in cash?
We do not accept cash or any payments directly. All of our transactions are handled via digital transactions with our quote tool or directly with the insurance company.
Do you have an office I can visit?
Once the pandemic is over, we look forward to re-opening our office and visiting with our clients. In the meantime, you can schedule a Discovery Call or Zoom with an Agent. All business is handled using encrypted transactions and your personal information is 100% secure.
What does it mean to be an "Independent Insurance Broker"?
An Independent Insurance Broker means that we are not STUCK (insurance term is "captive") with One Insurance Company. We can pursue what is best for you and seek out other choices. Here is a list of our Insurance Partners. We are not restricted by any insurance company. We can pursue business with any Life, Health or Accident insurance company.
At Your Service
From Orange County, we cover California.
We work with you to listen to your goals, and we develop a strategy to satisfy your requirements with insurance products from the leading insurers.
You have the advantage, today. Take the opportunity to schedule a Discovery Call with an agent: