Securing What Matters Most to You!

As a self-employed individual, you may not have employer-provided benefits, but you deserve the  same—if not better—financial security.

I offer tailored health, life, and business insurance solutions to protect your income, safeguard your family, and keep your business secure. Whether it’s ensuring access to quality healthcare, replacing lost income during a serious illness, or protecting your loved ones and business from the unexpected, I provide the right coverage so you can focus on what matters most.

Why Choose Us?

Over 40 years of experience in financial services and insurance

A personalized approach to meet the needs of each client

A trusted partner for small business owners across America.

Welcome to  Stress-Free Life Insurance with Ethos

We make protecting your family simple, quick, and worry-free. Ethos Life Insurance offers modern features designed to give you peace of mind:

No Medical Exams or Needles
Fast & Easy Click Application
Instant Approval Process
Flexible Coverage Options: Whole Life Insurance & Term Life Insurance
Complimentary Will & Trust Package
Income Protection During Serious Illness: If you don’t pass away but are diagnosed with a qualifying illness, you can access up to 90% of your policy’s death benefit. This allows you to continue paying for your living expenses, support your family, and focus on recovery without financial stress.

Covered CA

We’re dedicated to making health insurance accessible, affordable, and easy to navigate. Covered California offers a range of features to help you and your family find the right coverage:

Affordable Health Plans, Some with $0 Premiums
No Medical Exams
Financial Assistance Available
Comprehensive Coverage
Guaranteed Coverage
Convenient Online Application
Free Covered CA Enrollment Help: I guide you through plan options to ensure you get the best coverage at no cost.
Hassle-Free Application Updates: I assist with life event changes so your coverage stays up to date.

Private Health Plan

A Smart Choice for Business Owners and High-Income Individuals

*This plan has limitations in California. Please call for details.

For many high-income earners and self-employed individuals, the challenge of securing affordable health coverage is significant. Without qualifying for government subsidies, premiums for traditional health insurance plans (ACA) can be prohibitively high. That’s where the Optimum Health Saver Plan by Philadelphia American Life Insurance Company comes in, offering a smarter alternative to manage healthcare costs effectively.

40% Less Than ACA Plans
Guaranteed Renewable
Keep Your Doctor
Choose Your Deductible
20 Doctor Visits Per Year

Free, No-Limit Telehealth
No Co-Pays/No Coinsurance
Toll-Free Concierge Service
Build the Plan That Suits You

Commercial Insurance

Simplified Commercial Insurance Solutions

As a trusted insurance agent partnered with Kraken Insurance Services, I’m here to make protecting your business simple and stress-free. Together, we offer a range of comprehensive commercial insurance options, letting you focus on what matters most while we handle the details.

General Liability Insurance
Business Owners Policy (BOP)
Commercial Auto Insurance
Workers’ Compensation Insurance
Professional Liability Insurance (Errors & Omissions)

Farm & Ranch Insurance
Commercial Property Insurance
Umbrella Insurance
Bonds
Cyber Liability Insurance
Commercial Crime Insurance

Weather you are protecting your family, your business or both, we are here to help you every step pf the way.

Contact Us Today

to learn how we can support your insurance needs

Gerardo Morales Insurance Services

With a career in financial services spanning nearly 4 decades, Gerardo Morales Insurance Services is dedicated to provide tailored insurance solutions for families and businesses.

Founded by Gerardo Morales, our journey began in 1985 in the mortgage industry, where Gerardo served as a loan originator, loan manager, and later as a Wholesale Account Executive. In 2008, we transitioned to the insurance industry with one mission in mind: to protect what matters most to hardworking families and small business owners.

Licensed Producer

CA Lic 6008132, 0B74739
AZ Lic 2637421
IN Lic 3940571
TX 2464718
IL 2637421