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INSURANCE  License #0H77861

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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

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Index Universal Life
Insurance

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.

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Long Term Care
Insurance

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
Location

4026 Balfour Avenue

Oakland, CA 94610

sales@hreafs.com

 

Tel: 510-825-6686

Hours

Monday - Friday 

9:00 am to 5:30 pm

 

Saturday 

9:00 am to 12:00 pm

 

Evenings by Appointment