Real Estate and Financial Services
CA Life and Health #0H77861
Call us today for a quote 510-842-7737
INSURANCE License #0H77861
Mortgage Protection Insurance
Protect your home from Foreclosure
Get Living Benefits
Flexible and Affordable Payment Options
Non Medical Underwriting
Seamlessly integrates with Mortgage Payments
A Rated Product Provider
Index Universal Life
Index Universal Life Insurance - Supercharge your savings!
Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and PERCS. What are PERCS -
1. Protection (Death Benefit)
2. Emergency Funds
4. College Savings
5. Savings with Incredible Growth
Riders are available for Living Benefits and Long Term Care Coverage
Access Money Tax Free
Uses an Indexing Strategy for Maximum Cash Accumulation.
Has a built in floor which provides protection from downward market fluctuations.
Long Term Care
Long Term Care Insurance - Benefits everyone will eventually need
According to the U.S. Department of Health and Human Services, an adult turning 65 has a 70% chance of needing some form of long-term care. While only one-third of retirees may never need long-term care coverage, 20% may need it for five years or longer. With a private nursing home room averaging about $7,698 per month, long-term care could end up being a huge financial burden for you and your family.
Most health insurance policies won’t cover long-term care costs. Additionally, if you’re counting on Medicare to assist you with these extra expenses, you may be out of luck. Medicare doesn’t cover long-term care or custodial care. Most nursing homes classify under the custodial care category. This classification of care includes the supervision of your daily tasks.
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HOURS & LOCATION
4026 Balfour Avenue
Oakland, CA 94610
Monday - Friday
9:00 am to 5:30 pm
9:00 am to 12:00 pm
Evenings by Appointment