top of page

Request a Free Insurance Quote 

INSURANCE  License #0H77861

hreafs life.jpg
Term Life
Insurance (MPI)

Mortgage Protection Insurance 

  •  Protect your home from Foreclosure

  •  Get Living Benefits

  •  Chronic Illness

  • Critical Illness

  • Terminal Illness


  • Flexible and Affordable Payment Options

  •  Non Medical Underwriting

  •  Seamlessly integrates with Mortgage Payments

  •  A Rated  Product Provider

hreafs life.jpg
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

  • 3. Retirement

  • 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.

hreafs life.jpg
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.

Fill out this form
Message HREAFS

Success! Message received.


4026 Balfour Avenue

Oakland, CA 94610


Tel: 510-825-6686


Monday - Friday 

9:00 am to 5:30 pm



9:00 am to 12:00 pm


Evenings by Appointment

bottom of page