Your home is a huge investment, protect it. With home insurance you can protect your home and your possessions. You’ve worked hard for what you have, it’s important to have the right protection. There are many option of what home insurance can cover on your property. We can help you make sure that everything will be taken care of. Contact us today to see how we can protect one of your biggest investments.

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Group Health Benefits have become even more valuable than ever before.  With the rising cost of healthcare, the group health benefits offer the best products for employees and their families with a full range of providers in most cases.  We are able to find solutions to most every challenge and specialize in these benefits.  The group dental and vision plans are also a very important part of employee benefits.  You cannot duplicate these products individually, they just are not the same benefits.

These are now available to everyone regardless of their health issues.  There is no more underwriting but these products face new challenges.  The provider list for the individual products have shrunk and it is now very important when shopping for individual products to make sure the doctors that you have been accustom to seeing are on the provider list.  Some have prescription coverage that is part of the maximum out of pocket for the medical plan as well and others that are separate.  There are many things to be aware of when shopping for an individual health plan and you will need to consult with an agent before making your purchase.

At this time these products have had the least amount of change.  There are two options for Medicare age enrollees.  One option is the Medicare Supplement plan which offers access to most doctors and is considered the PPO side of the Medicare products because it allows more freedom of doctor choice.  With this product, a Medicare Prescription Drug plan is also purchased to cover the cost of prescription drugs.  The other option is a Medicare Advantage Plan which may or may not include prescription coverage but works as an HMO with a network of doctors and facilities and you must stay within that network for your medical care.  Both are great products, it just depends on your life style and your preference in choosing doctors etc.

These products are all quoted upon request and can also play a very important part in your life and financial planning.  All of these are also available for group quoting as well.  Life and disability insurance can both be important products for the head of household in case of death or disability.  These two products can really give a family peace of mind.  They also can play a very important part of business planning for the self-employed.

Long Term Care is growing in popularity and families see the financial devastation that can be caused by a long term illness.  This cost for care of a loved one grows everyday as the baby boomers all become part of this system.  Of course, the older we get the higher the cost for product will be and like life insurance, can only be purchased while healthy enough to apply and get through the underwriting process.  Many people do not think of this until they have a need and then it may be too late.

This is our newest system that helps many qualify for medical coverage and often times with a subsidy or MediCal coverage.  This is where you go to apply if that is what you are looking for.  This process has improved since inception and the website is much more user friendly.  Again, we believe that it is very important to get counsel before enrolling in any plan unless you are very aware of the terms used and what is really included or excluded.