Simply put, health insurance is protection against medical costs.  A health insurance policy is a contract between an insurer and an individual or group in which the insurer agrees to provide specified health insurance at an agreed upon price (the premium).  Depending on your policy, your premium may be payable either in a sum or in installments. 

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries.  The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase.  If your employer does not offer a health insurance plan, you may wish to purchase health insurance.

Group Health Insurance:
Small businesses can take advantage of large benefits by forming group health insurance.  Companies with two or more employees can qualify for health coverage and choose from 14 different plans.  Employers finally have the opportunity to offer health insurance at affordable rates.  To get a free quote, contact my office. Send an email with your company name, telephone, the number of employees and their ages .  
For more information Click Here.

Mortgage Protection Life Insurance: Return of Premium - Get your money back at the end of term.
Taking out a mortgage can be a scary proposition.  You owe tens or even hundreds of thousands of dollars to the mortgage holder.  What happens if a family breadwinner suddenly passes away and a substantial portion of the mortgage remains unpaid?

Mortgage protection insurance covers this potential financial disaster.  You can purchase a policy when you first buy your home, or later if you think your situation warrants it.

The idea behind mortgage protection insurance is straight forward.  You pay a premium, which remains the same for the duration of the policy.  If you should die during that time, the insurance pays off the rest of your mortgage.  If you live, you get your premium back at the end of term - a great investment.

Annuities for Retirement:
Why buy an annuity?

"I want my principal to be safe."
"I want to benefit from an interest formula linked to stock market index values."
"I want my money to earn more than the interest rates typically offered by other interest bearing vehicles."
"I want a steady stream of income that I won't outlive."
"I want my assets to grow tax-deferred."
"I want to leave money to my heirs without the expenses and delays of probate."

Some people say you can't  always get what you want; but with an annuity not only you get what you want, but you also get what you need!  See how our annuity product fits into your financial plans.

California Medicare Supplements for Seniors: Medicare is a federal health insurance program for people 65 years of age or older that pays for much of your health care, but not all of it, such costs could be prescription drugs, deductibles, coinsurance.

Medicare Supplements are a health insurance policy sold by private health insurance. To read more about Medicare supplements click here.

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Individual and Family Health Insurance
Group Health Insurance
Life Insurance
Disability Insurance
Short Term Health


Thank-you for visiting my website.  If you have any questions or you need to fill out an application, call my office. 415-992-9374  Extension 8422