Dental
Protecting your teeth is pretty important, and the better care you give them the more likely it is that you will keep them when you get older. Although dental insurance covers most aspects of dental care, an often overlooked benefit is that you can have your teeth cleaned twice a year, usually at no or little cost. There are several kinds of dental plans and we can help find one that fits your needs and your budget. We’re here to help.
Disability
For people who have high-income professional jobs such as doctors, dentists and lawyers, a high-quality disability income policy is an important insurance product. Think about all the things that depend on your ability to earn an income, and then think what would happen if you lost that ability to earn an income because of sickness or injury. We can help you choose the disability policy that fits your circumstances.
Estate Planning
Here’s the good news concerning Federal Estate Taxes: with proper planning a married couple can pass nearly 11 million dollars to their children. The bad news is after that the Estate Tax is 40%. This is particularly devastating in family businesses because the tax money isn’t in a savings account, but in machinery and bricks. The lack of an effective Estate Plan can mean the end of a family business. (ref. IRS Pub 559)
We’re here to help.
Vision Coverage
Vision insurance can help you with basic eye care, lenses and frames. Considering how important our eyes are, it makes sense to give them some special care. There are many vision plans to choose from and we can help you find the plan that fits you and your budget.
Health
We offer health insurance with all of the major health insurance companies in California, whether directly with the insurance company or through Covered California. Choosing the right insurance is very important and we are happy to help you make the right choice.*
Life Insurance
Life insurance is a very important part of financial security, and yet a subject of much confusion among consumers. Here’s our approach: we help you figure out how much life insurance you should have to get the job done; we review each of the types of life insurance – in simple language, so that you can decide which type is the best fit for you; we help you find the most competitive life insurance companies; and then we help you obtain it.
Long Term Care
According to a report from AARP, the lifetime probability of becoming disabled in at least two activities of daily living or of being cognitively impaired is 68% for people age 65 and older. [AARP. Beyond 50.2003: A Report to the Nation on Independent Living and Disability, 2003, (11 Jan 2005)]
How can Long Term Care Insurance help? By getting assistance for people who need help with the activities of daily living, such as bathing and dressing, due to an accident or illness or because of advancing age. There is no other type of insurance that helps people in these circumstances. We can help you find a Long Term Care policy that fits your needs.
Medicare
A discussion on Medicare benefits and the various products there are to compliment Medicare is a very big subject. In fact, between required the annual educational requirements of Medicare and the insurance companies we represent, we spend over forty hours per year keeping up with changes in Medicare. We would be happy to help you choose a Medicare plan that fits you.
Travel
When you travel outside the United States it is important to make sure that your medical insurance will protect you in the event of an emergency. Because domestic insurance policies usually have a maximum benefit for coverage outside the U.S., there is a type of medical insurance designed specifically for those who are traveling outside the country. We can help you find and choose the insurance that suits you.