What We Cover
Life Insurance and Life Settlements
Whether you are in need of term insurance, permanent insurance, long term care Insurance or you have an existing policy and would like some advice on what to do with it, we can break down all the options available for you.
Indvidual and Group Health Insurance Plans
As plan choices have grown more complex, we have the added explanations that will help you find the right health plan for you as an individual/family or a group plan for your employees.
Annuity Products
Annuities have evolved dramatically over the years and have become much more complex. We can explain to you in plain English the different annuity products available, from fixed, indexed, deferred and immediate annuities we offer the highest rates from A+ rated carriers.
Estate Planning
Estate Planning is the process of accumulating assets during your lifetime, enjoying them, and then passing them along to your heirs and loved ones after you die while minimizing taxes and legal expenses. Everyone that owns assets needs some kind of estate plan. It just depends on your personal family situation. We can help you!
Reach out today for any of your Insurance Needs listed below
Life Insurance
Health Insurance
Health Insurance
Personal life insurance is for your family and any personal debts you may have. It can be used to replace your income, pay off personal debts. It can help fund your retirement plan and even help pay for Long Term Care expenses.
Key man life insurance Covers the financial hit your company would take if it lost a key owner, executive or employee. Buy-sell agreements,
allows business partner(s) to buy out your share of the business should you die or become incapacitated.
Health Insurance
Health Insurance
Health Insurance
Keep your family healthy and protected. We offer a range of health insurance policies from all the major insurance carriers to cover your family's medical needs. For employers a group health insurance plan is the key component
to any business employee benefit plan.
It helps you recruit and retain valuable employees that make your business run smoothly.
Life Settlements
Health Insurance
Life Settlements
A life settlement can be a way to get cash for a life insurance policy you no longer need or can no longer afford. For older adults who are struggling to pay for health care costs or long-term care in retirement, it can be a much-needed lifeline. This can be a great alternative to simply allowing your policy to lapse, terminate or expire.
Annuities
Final Expense Insurance
Life Settlements
Annuities provide valuable tax-deferred growth. But for more than any other reason, annuities are valuable because of their guarantees. In an annuity, the insurer makes certain contractual guarantees that are not available in a traditional investment product. Principal can be guaranteed and you can lock in your gains
Final Expense Insurance
Final Expense Insurance
Final Expense Insurance
Final expense life insurance is popular with seniors because of its affordable price, smaller benefit amounts, and emphasis on covering funeral costs.
According to the National Funeral Directors Association, the median cost of a funeral can be over $9000. With no way to pay for these expenses, surviving loved ones often experience a financial burden during a time of intense grief.
Estate Planning
Final Expense Insurance
Final Expense Insurance
20 years ago, InsureNeeds.com teamed up with Brian Mandel Law. He brings his expertise to our clients. Brian has practiced exclusively in the area of estate planning since 1996. He has personally drafted over 2500 estate plans for clients and is Certified as a Specialist in Estate Planning, Trust, and Probate Law by the State Board of Legal Specialization since 2004 (less than 1% of all California attorneys have achieved this distinction.