Insurance Plans & Policies

Anyone can sell you insurance. All it takes is 52 hours of coursework and passing a State test. The difference between myself and others is: I’ve been through it. I’ve seen it all.

I bring years of wisdom & expertise into my relationship with you. I promise to always tell you what you need to know and not just what you want to hear.

Life Insurance

Ask yourself, “What do you want the insurance to do?” and that will give you 99% of the answer to what type you should consider. From that point, I can help you find the company and the particular policy that is best for you and lay out the options. The last 1% will be taken care of as we discuss. I do not believe there is a “best company”, but there is a best company for you, depending on your age, height/weight, health history and goals.

I can also take care of “no questions asked” burial insurance.

Health Insurance

• Medicare Supplements
• Covered California
• Individual Plans
• Cost Sharing Plans (about half the price of standard insurance)
• Small Business Group Plans

 Annuities

Annuities allow you to participate when the stock market goes up, but never be subject to one of its declines. They continue to pay a lifetime income, even if your account runs out of money. Growth in the value of your annuity accumulates and is tax-deferred.

Long-Term Care

Traditional Life Insurance/Long Term Care hybrid plans create a pool of money. Whether you use the long term care benefits or die before needing them, your family will get back all premiums paid and more.

True Freedom Home Health Care

This is a revolutionary idea in long term care that makes it affordable for most and attainable by all. It’s designed to keep you in your own home and out of a nursing home.

This is NOT insurance. It’s a cost sharing plan. No medical questions are asked. No pre-existing conditions are excluded – not even cancer, heart trouble, or COPD. The company has attained an A+ rating with Better Business Bureau and the highest score for financial stability from Dun & Bradstreet.

Click the link below to see a detailed explanation of the plan, as well as a rate sheet. You can even enroll yourself, if that is what you want.  Call me if you have any questions.