Independant Insurance Agents in California
Protect Your Family's Financial Security Today

Accident - In the event of a serious accident *
These plans vary by insurer but some can be very comprehensive.  The more serious the injury, the more these plans pay. When injured, this type of plan pays contracted cash amounts directly to the policy holder for necessary doctor's care, hospital confinement, hospital intensive care, death and dismemberment, dislocations, physical therapy, diagnostic exams, rehabilitation, appliances, prosthesis, blood/plasma, ambulance, transportation, family hotel lodging, wellness.  Cover your spouse and children also.  How about a sickness disability rider?  Ask for brochures to obtain greater detail.
 
Hospital Protection - Injury or Illness, Fills In Where Major Medical Leaves Off 
A way to help cover your out-of pocket hospital expenses.  Pays for necessary hospital confinement, rehabilitation. invasive diagnostic, surgical, ambulance, mammography, wellness. It is very important and required that you have major medical insurance along with this plan.  The Hospital Protection will normally not be written without the policyholder having an accepted major medical insurance coverage.  Always ask for insurer brochures to obtain greater detail.
 
Specified Health Events
Coma, stroke, paralysis, heart attack, end-stage renal failure, major third degree burns, persistent vegetative state, coronary artery bypass surgery, major human organ transplant, hospital intensive care, continuing care, first occurrance and reoccurrance, transportation, lodging, ambulance, mammography.  Always ask for insurer brochures to obtain greater detail.
 
Cancer And Specified Diseases
Cancers - See policies for specifics. Specified disease riders may exist - Adrenal hypofunction (Addison’s disease), amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease), botulism, bubonic plague, cerebal palsy, cholera, cystic fibrosis, diphtheria, encephalitis (included from west nile virus), huntington’s chorea, legionnaires’ disease, malaria, meningitis(bacterial), multiple sclerosis, muccular dystrophy, myasthenia gravis, necrotizing fasciitis, osteomyelitis, polio, rabies, reye's syndrome, scarlet fever, scleroderma, sickle cell anemia, systemic lupus, tetanus, toxic shock syndrome, tuberculosis, tularemia, typhoid fever, variant creutzfeldt-jakob disease (mad cow disease), yellow fever.  Ask for brochures to obtain greater detail and to see if these diseases are covered by the insurer.
 
Life Assurance
Term insurance is sometimes available with a return of premium for 20-30 year terms.  After the full term you can take and use the premium portions you paid for what ever you need.

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More plans & riders are sometimes available, for example, Hospital Intensive Care may be available as a separate stand-alone policy.  Please ask for your specific needs.  Contact Us.
 
* Disability riders for accident/illness may be available.  Disability may also be available as a separate plan for higher incomes.
 
 
 
 Insure through us?  
Insurance Purchased Directly by the Individual  - Contact Us.
Cover your spouse and children.  Children play rough and have accidents (child coverage is usually up to age 18 at signing, thereafter to age 23 if child is a full time student).
Business, Payroll Deduction
Talk to your employer and have them call to sign-up the employee group.  We take care of all enrollment, paperwork, and services from A-Z.  Contact Us.
Key Questions
What are your needs?
Are you protected financially in the event of a serious accident or illness?
What is your financial stability?
Can you cover your personal expenses for two to three weeks or longer while out of work?  Where do you go for money? Savings, a bank loan, family, your employer?  Many times employees take a second job to pay the extra bills, leading to poor performance on the first job, or worse, a key employee leaves for no apparent reason.