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Homeowners & Earthquake Insurance

Your home is your greatest asset. Of course, your ability to earn an income is a bit higher. You can protect that with one of our mortgage cancellation programs, but let us insure you through one of the many excellent homeowners insurance companies we represent:

Lloyds of London TOPA Insurance Company Civic Insurance Company Excel Insurance Company Firemans Fund Clarendon Insurance Company 
Earthquake insurance is available as a stand alone policy. In most cases you can keep your homeowners with your existing company and we will provide earthquake as a separate policy.
Recent posts

Three Groups of People Who Benefit from Burial Insurance

If you are like most people, you dread the thought of having an insurance sales representative show up at your door or call you on the phone. The thought of having to refuse to buy a policy, despite the sales representative’s hard-sell tactics, can be enough to get you agitated just thinking about it. The reality is, not every insurance policy is something you should purchase. Some types of insurance are right for you; others are not.

Burial insurance is a good example of this point. It is a great financial tool for certain groups of people who want a little extra financial protection relating to covering their final expenses. It is not a good tool for others. Knowing whether it is right for you comes down to knowing your financial position and your expectations for the future.

Here are three groups of people who tend to benefit from burial insurance:
1. Seniors without Life Insurance
Believe it or not, purchasing life insurance is no longer the foregone conclusion it used to be. Ther…

Burial Insurance Is a Tool, Not an Investment

The increasing popularity of burial insurance has resulted in a subsequent rise in media interest and exposure. Some of that exposure has been good; some of it has been bad. And unfortunately, a lack of understanding where insurance is concerned has led to quite a bit of confusion over whether or not final expense insurance is an investment. Let us establish right up front that it is not. 

Burial insurance is a financial tool – nothing more, nothing less.
Critics of burial insurance tend to speak out against it because it is a kind of insurance that does not earn any additional monies as a result of paying into it. However, truth be told, term life insurance is a very similar product. It is also not an investment because it does not earn a return on the consumer’s money. The only type of life insurance that does generate a return is whole life.

This does not make burial insurance a bad product not worth purchasing. Quite to the contrary, it is a very good product for some people who wa…

No Medical Exam Life Insurance Plans

Have you tried to get life insurance but were turned down because of your health? Are you an older person who is skeptical about the possibility of purchasing life insurance due to your age and a few underlying physical conditions? In both cases, no medical exam life insurance plans may be the answer. This kind of life insurance is specifically intended for those who cannot get traditional life insurance coverage.

You may already be familiar with the concept of no medical exam life insurance if you’ve seen the TV commercials offering guaranteed coverage to seniors. What these policies offer, in a nutshell, is adequate life insurance protection that does not require a formal health exam to qualify. An applicant will not have to schedule an appointment with the doctor, undergo any sort of health screenings, or pass any kind of pre-qualifying exam. The desire to have life insurance and the ability to make premium payments are the only requirements.
How Policies Are Underwritten Anyone wh…

This is How variable life insurance works

Permanent life insurance which has the freedom to manage your investment portfolio is known as variable life insurance.

Typically, variable life insurance is the most expensive type of cash value life insurance. This is because unlike whole insurance, variable insurance gives you total control over your investments - what ever kind they may be money market funds, stocks, or bonds.

The amount of times you can alter and update your investment portfolio is commonly unlimited also, but verify this with your insurance broker as some companies may have different rules.

Since many of the benefits of variable life insurance are totally dependent on your ability to invest productively, you should be completely certain that you understand all risks involved before you purchase this type of policy.

The pros and cons of variable insuranceAlong with the freedom that is added with variable life insurance there also comes some risk. Since cash value of the policy depends upon the investments you mak…

About Whole Life Insurance

Whole life is a permanent type of life insurance coverage that combines a death benefit and accumulates a cash value. The face value is constant, and this amount will be paid if the insured person dies at any time while the coverage is in effect. Premium costs are unchanging and remain the same from the original date the policy goes into effect to the date of maturity. The policy is intended to mature at age 100-this is the age when premium payments would end and the cash value would equal the face value. At time of maturity, the face value would be paid to an insured person who is still living.
Even though whole life insurance policies are some of the most common types of life insurance purchased, most people don't plan on paying premiums until the reach the age 100. Many of us don't expect to live that long. It is more common that whole life insurance is used as a type of level protection throughout the income producing years. Once retired, many individuals begin to use the a…

What Is Burial Insurance?

Benjamin Franklin once said that “in this world nothing can be said to be certain, except death and taxes.” That’s only half true. The fact is that death is guaranteed to generate expenses that have to become the responsibility of the decedent’s survivors. Burial insurance is one way to cover those costs.

Burial insurance is a form of life insurance that a person takes out to cover his/her eventual funeral and burial costs. Why would a person purchase this kind of insurance? Because the average cost of a funeral in the United States is fast approaching $10,000 – that is without all of the fancy bells and whistles. Add in a custom-made casket and a few other extras, and the bill could climb to $30,000 or more.

The point to remember is that someone has to pay expenses related to your passing. Moreover, considering how costly funerals and burials can be, leaving those expenses to your survivors is just not right. They have enough to deal with. They do not need the pressures of having to …