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Life & Health Insurance

Life and Health
Insurance Solutions
for Peace of Mind

Protecting What Matters Most

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Services

We ensure best insurance services for our clients.

ACA (Obama Care) Health Insurance

Obamacare (Affordable Care Act / Health insurance)

I offer two different type of health insurance due to what states offer:

California

Individual & Family:
Covered CA provides financial help for brand name health insurance making health insurance affordable to most Californians. We help you navigate and enroll in the best plans that are offered without the headache of trying to figure it out yourself.

We can also help you update any of your personal and financial information correctly and answer any questions you have when it comes to qualifying for subsidies.

covered-california-certified-agent

Texas & Arizona

Individual and Family:
The Affordable Care Act (ACA), or Obamacare, is a legislation implemented in 2010 to improve healthcare accessibility and affordability for individuals and families in the United States. This law offers several benefits to help reduce healthcare costs.

It includes subsidies to lower insurance premiums, expanded Medicaid eligibility for low-income individuals, essential health benefits coverage, protection against denial of coverage for per-existing conditions, cost-sharing reductions, and limits on out-of-pocket expenses. The ACA aims to make healthcare more affordable and accessible for all, ensuring that people can receive necessary medical services without facing financial hardships.

Health Insurance

(Individual & Family)

Covered CA provides financial help for brand name health insurance making health insurance affordable to most Californians.

We help you navigate and enroll in the best plans that are offered without the headache of trying to figure it out yourself. We can also help you update any of your personal and financial information correctly and answer any questions you have when it comes to qualifying for subsidies.

Health Insurance

(For Small Business)

Covered CA is now available for small businesses and their employees. CCSB offers health plans with private insurance companies at affordable rates. We are trained to help you and your employees chose the right plan at an affordable rate.

Some of the benefits in offering CCSB to your employees are:

  • Financial control
  • Tax Advantages (please consult your tax professional)
  • Employee Loyalty
  • Productivity
  • Online Account Management

How Life Insurance
Helps Families

Life Insurance: Term

Term coverage provides your family the highest coverage amounts at the lowest premium for 10, 15, 20 or 30 years. Our carrier offers a unique benefit besides covering you for death; get coverage for life’s surprises like cancer, heart attack, stroke and other covered critical illnesses at no additional charge!

Get Life Quote Today

Life Insurance: Permanent

We offer several different permanent policies that provide lifetime coverage options along with cash accumulation or guaranteed return of all your premiums at a scheduled time while enjoying peace of mind along with critical illness and chronic illness. These additional benefits provide you financial protection allowing you to use part of your life insurance coverage while living if you were to suffer one of these illnesses!

Get Life Quote Today

Protecting What Matters Most

Life Insurance for Peace of Mind

Have you ever thought about what would happen to your family in a worst-case scenario? It’s not an easy thing to consider, but it’s important when creating a solid financial plan. One of the biggest concerns is the potential loss of income, which can make it difficult to cover daily expenses like utilities, food, childcare, education, healthcare, and housing. It can also put your financial goals, such as retirement savings or college funds, at risk. Trying to fill the gap in income can add even more stress.

If you’re worried about the financial well-being of your family in case something happens to you or your partner, it’s !me to think about life insurance. Life insurance provides death benefits that are usually given to your loved ones, usually without any tax implications. These benefits can help them maintain their current lifestyle and achieve their dreams. You’ve worked hard to support your family, and it’s crucial to take steps to ensure their continued well-being by planning for the unexpected.

Applying for life insurance has never been easier with Write Away, our accelerated underwriting solution designed for our healthiest clients. Using advanced technology and publicly available data, we make the process more efficient, offering competitive pricing without extra fees. If you’re in good health, without major medical conditions, and meet height/weight requirements, you have a great chance of being eligible. Just submit our Simple Submit e-App, answer a few lifestyle and medical questions, and get quick access to coverage. Choose Write Away for convenience, efficiency, and peace of mind. Apply today and discover how simple it is to secure the coverage you deserve. Don’t confuse this with Simplified Issued policies where you end up paying double the premium for the same coverage amount. Our carrier uses Write Away to simplify the application and underwriting process while offering the lowest possible premium, just like a full underwriting application.

I’m here to help you navigate the process of getting life insurance and find the right coverage that suits your specific needs. Let’s discuss how we can provide financial protection for your family and give you peace of mind

Life Insurance with Accelerated Death Benefit (Living Benefits)

Ideal for Small Business Owners

A life insurance policy that includes and Accelerated Death Benefit is idea for self-employed individuals like you who understand the importance of protecting themselves and their families. As someone who works for yourself, you know that you don’t have an employer to rely on during difficult !mes, especially if you were to face a major illness or unexpected circumstances. That’s why it’s crucial to consider insurance protection that will provide you with funds while you are s!ll living as a key component of your financial plan.

Imagine the potential loss of income and the challenges it could pose for meeting your daily obligations. As a self-employed individual, you have responsibilities such as utilities, food, childcare, education, healthcare, housing, and more. Without a steady income, fulfilling these financial obligations could become even more difficult.

This is where the new type of life insurance comes in. This new Life insurance isn’t just about providing financial protection in the event of your passing; it can also be a valuable tool during your life!me. By including Accelerated Death Benefits in your life insurance plan, you gain the flexibility to access funds if
you’re diagnosed with a qualifying illness.

Think about it: while your health insurance may cover medical expenses, what about your everyday financial obligations? How will you continue paying your mortgage or rent, car payments, school tuition, credit cards, or even travel expenses for necessary tests or hotel stays not covered by your health insurance plan? An Accelerated Death Benefit can help bridge the gap and provide you with peace of mind.

It’s important to note that this isn’t long-term care or disability insurance. The funds from an Accelerated Death Benefit can be used for anything you desire. These benefits are designed to assist you while you’re alive, giving you the financial support you may need during challenging !mes. You have the freedom to use the funds as you see fit.
By planning for the unexpected, you provide yourself and your family with the ultimate peace of mind. Let’s discuss how we can provide the financial protection you require, ensuring you have the necessary resources to face any situation head-on. Request a free no obligation QUOTE today!

Plan for the future of your business today

We offer group and individual insurance solutions for small businesses
to help their employees achieve financial security.

Let us help you protect what’s most important. Contact Me to receive a FREE quote.

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