Services
Life insurance, annuities and retirement planning
Ask us about any of these and we'll bring you quotes from several insurance companies, so you can compare before you decide.
What we offer
Ask us about anything not listed here.
Term life insurance
Affordable coverage for 10, 20 or 30 years, so your mortgage, bills and kids are covered if something happens to you.
Learn more: Term life insuranceWhole life insurance
Permanent coverage with a premium that never goes up and cash value that grows over time.
Learn more: Whole life insuranceIndexed universal life (IUL)
Lifetime coverage with flexible premiums and cash value growth linked to a market index, with a floor that protects against market losses.
Learn more: Indexed universal life (IUL)Final expense insurance
A small whole life policy that pays for the funeral, burial and final bills, often approved with a few health questions and no medical exam.
Learn more: Final expense insuranceAnnuities
Fixed and fixed indexed annuities that protect your principal and can pay you an income for as long as you live, backed by the insurance company that issues them.
Learn more: AnnuitiesRetirement and 401k/403b rollovers
Changing jobs or retiring? We'll help you understand your rollover options and plan the income you'll need in retirement.
Learn more: Retirement and 401k/403b rollovers
How it works
From first call to covered
- 01
Talk with us
A short call or meeting to learn about your family, budget and goals.
- 02
Compare your options
We bring back quotes from several insurance companies and explain each one.
- 03
Apply and relax
We walk you through the application and stay available afterward.
Questions about coverage
What is the difference between term and whole life?
Term covers you for a set number of years and is usually cheaper. Whole life lasts your lifetime, has level premiums and builds cash value.
Is an IUL right for me?
It can be a fit if you want permanent coverage plus cash value growth potential and you understand the caps, fees and policy terms. We will walk through the details before you decide.
Will a rollover cost me taxes?
A direct rollover to a qualified account is generally not a taxable event, but your situation matters. We coordinate with your plan and point you to a tax professional when needed.
Not sure which plan fits?
Tell us a little about your family and we will suggest a starting point, free of charge.
Hours and contact
Call or text anytime during business hours.
Serving Salinas, Monterey County, California
Hours
- Monday
- 9:00 AM – 5:00 PM
- Tuesday
- 9:00 AM – 5:00 PM
- Wednesday
- 9:00 AM – 5:00 PM
- Thursday
- 9:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed