• Do you serve Sacramento and Modesto?

    Yes, we serve Sacramento, Modesto, Lodi, Tracy, and Manteca in addition to our primary Stockton location.

  • What's the difference between term and whole life insurance?

    Term life provides temporary coverage for income replacement and debt coverage. Whole life offers permanent protection with long-term financial planning benefits.

  • Can you help choose Medicare Advantage plans?

    Yes, we provide expert guidance on all Medicare options including Parts A, B, C, and D, plus assistance choosing between Original Medicare and Medicare Advantage plans.

  • Do you work with attorneys for estate planning?

    Yes, our comprehensive estate planning services include collaboration with attorneys and CPAs for Wills, Trusts, Powers of Attorney, and Healthcare Directives.

  • Can you optimize my Social Security benefits?

    Yes, our retirement planning includes Social Security optimization along with sustainable income streams and healthcare cost planning strategies.

  • Do you offer ACA marketplace health plans?

    Yes, we provide individual and family health insurance including ACA marketplace options, short-term medical coverage, and health savings accounts.

  • What's covered by disability insurance?

    Our short-term and long-term disability insurance replaces income when illness or injury prevents you from working.

  • Can annuities guarantee retirement income?

    Yes, we offer fixed and variable annuity products that provide guaranteed retirement income and tax-deferred growth strategies.

  • How much does final expense insurance cost?

    We offer affordable burial and final expense insurance coverage to help families with end-of-life costs and funeral expenses. Call 209-898-2829 for quotes.

  • Can you help with IRA rollovers?

    Yes, our personalized retirement planning services include IRA and 401(k) rollovers as part of comprehensive retirement income strategies.

  • Do you serve Sacramento area?

    Yes, we serve Sacramento along with Stockton, Modesto, Tracy, Manteca, and Lodi throughout Northern California.

  • What's the oldest age for life insurance?

    We provide life insurance coverage for individuals aged 0-85. Our comprehensive solutions include term life, whole life, and universal life options.

  • Can you help with Medicare Advantage plans?

    Yes, we assist with selecting and enrolling in Medicare Advantage plans that combine Medicare Parts A and B with additional benefits and potential cost savings.

  • Do you optimize Social Security benefits?

    Yes, our personalized retirement planning includes Social Security optimization along with sustainable income strategies and IRA/401(k) rollovers for pre-retirees and recent retirees.

  • What's final expense insurance cover?

    Final expense insurance provides specialized burial coverage to help families manage end-of-life costs and funeral expenses when they need it most.

  • Can you help with ACA marketplace plans?

    Yes, we provide guidance and enrollment assistance for Affordable Care Act marketplace health insurance plans with subsidy optimization to maximize your savings.

  • Do you work with attorneys for estates?

    Yes, our comprehensive estate planning services include wills, trusts, powers of attorney, and healthcare directives with collaboration from attorneys and CPAs.

  • How do annuities provide guaranteed income?

    Our annuity products offer retirement income solutions that provide guaranteed income streams for retirees seeking long-term financial security in retirement.

  • What's disability insurance replace if injured?

    Disability insurance provides income protection by replacing lost wages if injury or illness prevents you from working and earning your regular income.

  • Do you explain Medicare parts differences?

    Yes, we provide expert guidance on Medicare Parts A, B, C, and D, helping you navigate Original Medicare versus Medicare Advantage plans and Medigap supplements.