use our life insurance quoting tool to find the amount of coverage best for your needs.

Health care services are expensive. One trip to the Emergency Room could cost you more than $10,000 without health insurance. Today, most plans offer free Preventative Screening and Annual Check-Ups. Protect you budget and monitor your good health with health insurance. Contact today us to get the best plan for you.

We are a Covered California Certified Agency. Click to link to learn about available plans and premium assistance. Designate DuSharme Thomas for answers and assistance. www.coveredca.com​

A long-term health event could happen to anyone. Long-term Care insurance claims typically become effective after 90 or 180 days of consistent disability. A major auto accident or a nasty fall could lead to the need for long-term care. We are here to help you get answers and the plan you need.

For a brief introduction to Long-Term Care insurance follow the link to the website created by the US Dept of Health and Human Services. Contact us if you need further assistance. LongTermCare.gov ​

Disability insurance will pay a portion of the employee's regular income who is too sick or injured to work. Income protection is for workers who are self-employed or have an employer. The disability policy can be obtained as an employee benefit and/or the employee is able to hold a personal policy.

Employees learn more about disability insurance coverage and other benefits from their benefits package. We help employers with provide benefits and help individuals find a personal plan.

Permanent Life Insurance is designed to protect your beneficiaries for your lifetime. Obtaining permanent life insurance today will lock in your premium rate for your lifetime. Similar to a fixed rate mortgage, your premiums will not increase. All life insurance premiums increase as we age. Secure your permanent policy today to avoid being priced out in the future. Click our free Quoting Tool ​button above to compare premiums for permanent Universal Life Insurance. Contact us if you have further questions or start your application today.

Term Insurance is provided for a specified period of time. None of us know our day, but we know our day could come during a period of financial vulnerability. Such periods occur when you are still paying down your mortgage, covering college costs, protecting your business, or other events that could deplete your estate value or harm your heirs.

Also when the cost of permanent insurance is a challenge, lower cost term insurance could fill the gap in your needs. Most term insurance policies can also be converted into a permanent policy. Try our Quoting Tool above or simply give us a call to discover the best life insurance strategy for you.

We help both employers and employees understand Employee Benefits. We help employees understand and maximize the benefits available to them. We assist employers with understanding and providing excellent benefits to their employees. Employee Benefits prove businesses value their employees. The cost to offer Employee Benefits is returned when you are attracting and retaining talented, healthier, more productive, and more dedicated employees. Employee Benefits reduce turnover to help make your business more stable and successful. Contact today to learn more about providing or using Employee Benefits. ​