Our Services
Do You Qualify?
To be eligible for California’s Low Cost Auto Insurance Program, you must
- Have a valid California driver’s license
- Be at least 16 years old
- Meet income requirements (based on household size)
- Have a good driving record
- Own a vehicle valued at $25,000 or less
Affordable Car Insurance for California Drivers
Coverage Options
- Bodily Injury Liability: $10,000 per person / $20,000 per accident
- Property Damage Liability: $3,000 per accident
Optional add-ons (for an additional cost) may include uninsured motorist coverage for medical payments.
This program is ideal for safe drivers who need basic protection at a price they can afford.
Eligibility
Do You Qualify?
To be eligible for California’s Low Cost Auto Insurance Program, you must
- Have a valid California driver’s license
- Be at least 16 years old
- Meet income requirements (based on household size)
- Have a good driving record
- Own a vehicle valued at $25,000 or less
What Is Final Expense Insurance
- Funeral and burial costs
- Cremation
- Unpaid medical bills
- Small debts
- Legal or probate expenses
Key Features
Feature
Coverage Amount, Low
Premiums
Medical Exam?
Policy Type
Cash Value
Description
Usually $2000 to $50,000
Fixed and affordable; based on age and health”
Often no medical exam, just a few health questions
Whole life - lasts your entire life as long as premiums are paid
Grows slowly over time and can be borrowed against
Who Is It For?
- Seniors (typically 50–85 years old)
- People with limited savings
- Individuals who want to ease the financial burden on family at the time of death
- Those who may not qualify for traditional life insurance due to age or health issues
Is It the Same as Life Insurance?
Yes, but smaller and simpler.
Final expense insurance is a type of life insurance, but it’s meant specifically to cover funeral and small final bills — not to replace income or leave a large inheritance.
What is Covered California?
Covered California is the state’s official health insurance marketplace where Californians can compare, shop for, and enroll in health insurance plans under the ACA.
Covered California offers:
- Affordable Plan, from well-known providers
- Financial Help, for individuals and families based on income
- Access to Medi-Cal California’s Medicaid program for those who qualify
- Free local assistance from certified agents, enrollment counselors, and navigators,
Who Can Enroll?
- California residents
- U.S. citizens, nationals, or lawfully present immigrants
- Individuals not currently eligible for employer-sponsored coverage, Medicare, or Medi-Cal (unless applying for Medi-Cal itself)
Enrollment Periods
Open Enrollment
Open Enrollment
Special Enrollment
Open Enrollment
Need Help?
Navigating health insurance can be confusing—but you’re not alone. Our team can help you understand your options, apply for financial help, and enroll in a plan that’s right for you through Covered California.
Protect Your Home with Confidence
Your home is more than just a place to live – it’s where memories are made, families grow, and life happens. Protect what matters most with reliable home insurance designed to give you peace of mind when you need it most.
What Is Home Insurance?
Home insurance helps cover the cost of repairing or replacing your home and belongings in the event of damage or loss caused by events like fire, theft, storms, or other covered disasters. It can also provide liability protection if someone is injured on your property.
Why You Need Home Insurance
Whether you own your home or are still paying off a mortgage, home insurance is essential for financial security. It can help you:
- Recover from unexpected disasters
- Protect your belongings
- Cover temporary living expenses if your home becomes uninhabitable
- Avoid costly liability claims
What’s Covered?
Dwelling
Repair or rebuild your home if it’s damaged by a covered event
Personal Property
Replace belongings like furniture, clothing, and electronics
Liability Protection
Covers legal fees and damages if someone is injured on your property
Additional Living Expenses
Pays for temporary housing and living costs if you can’t stay in your home.
What Is Medicare Advantage?
Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare (Parts A and B) offered by private insurance companies approved by Medicare. These plans provide all the benefits of Original Medicare and often include extra coverage.
Key Features of Medicare Advantage:
All-in-One Coverage
Combines Hospital Insurance (Part A) and Medical Insurance (Part B), and many plans also include Prescription Drug Coverage (Part D).
Extra Benefits
Many plans offer services not covered by Original Medicare, such as:
- Vision
- Dental
- Hearing
- Fitness programs (like gym memberships)
Managed Care
Most plans use provider networks (HMO or PPO), meaning you may need to use doctors and hospitals within the plan’s network for lower costs.
Out-of-Pocket Limit
Medicare Advantage plans set a yearly limit on your out-of-pocket costs for medical services, which Original Medicare doesn’t offer.
