Frequently Asked Questions

Q: What is the difference between Term Insurance and Whole Life Insurance?
A: Term Insurance is generally less expensive because it gives you coverage for a specific period of time such as 10, 20, or 30 years. Whole life Insurance has higher premiums but accumulates cash value that can be used when needed.
A: Term Insurance is generally less expensive because it gives you coverage for a specific period of time such as 10, 20, or 30 years. Whole life Insurance has higher premiums but accumulates cash value that can be used when needed.
Q : Do you charge Brokerage Fees?
A : No. Our fees are paid by the insurance companies
A : No. Our fees are paid by the insurance companies
Q: How am I getting the best deal?
A: We shop major carriers for products that suit your needs and budget.
A: We shop major carriers for products that suit your needs and budget.
Q: What is the difference between Medicare and Covered California?
A: Medicare is available when you are 65 years old or disabled. The Affordable Health Care Act was generally created for those who are ineligible for Medicare, Medi-Cal, Veterans Insurance, or have Employer Group Insurance.
A: Medicare is available when you are 65 years old or disabled. The Affordable Health Care Act was generally created for those who are ineligible for Medicare, Medi-Cal, Veterans Insurance, or have Employer Group Insurance.
Q: What is Final Expense Insurance?
A: Final Expense Insurance can be used to cover funeral and burial or cremation costs.
A: Final Expense Insurance can be used to cover funeral and burial or cremation costs.
Q: Why Long-Term Care Insurance?
A: Long-Term Care Insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum.
A: Long-Term Care Insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum.
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Medicare Supplemental Plans

Individual & Family Plans

Life Insurance Plans

Retirement Income Planning

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