
Protect What Matters
As your Small Business and Individual Advocate, we believe life and health insurance are more than just coverage — they’re protection with purpose. It’s about safeguarding what matters most, creating peace of mind today, and building a more secure future for individuals, families, and small businesses alike.
Let’s explore how life and health insurance can work for you and those you care about.
We offer a range of tailored Insurance Solutions and Business Solutions for groups and individuals designed to meet you where you are and grow with you.
Insurance & Business Solutions
Permanent Life Insurance
Protect your loved ones and what you’ve built — while also growing cash value over time that you can access when needed.
Term Life Insurance
An affordable option for those who want protection now, with the ability to convert to permanent coverage later as your needs evolve.
Long-Term Care (LTC) Insurance
Ideal for those planning ahead for retirement and future care needs. LTC coverage can be added as a rider to life insurance, offering financial flexibility if care is ever needed.
Key Person (Key Man) Insurance
Protect your business from the financial impact of losing a key team member. This coverage helps safeguard operations, employees, and continuity.
Buy-Sell Agreement Funding
Life insurance can fund buy-sell agreements, ensuring a smooth ownership transition and financial protection for all business partners.
Annuities
A great way to grow and protect your retirement savings with downside protection and the potential for guaranteed lifetime income.
Disability Insurance
If you rely on your skills or profession to earn a living, disability insurance helps replace a portion of your income — typically up to 60% — if you’re ever unable to work due to illness or injury.
Minimum Essential Coverage (MEC) for Employers
Often available at no net cost to employers, MEC plans provide value to employees and satisfy ACA individual mandate requirements.
Level-Funded Health Plans
An excellent option for health brokers to add to their offerings and business owners looking to offer flexible, affordable health coverage with predictable costs and access to quality care.
PEO Broker Services for Employers
Simplify your business operations and maximize savings with the right Professional Employer Organization (PEO). As your dedicated PEO broker, we’ll match you with the best-fit partner for your unique needs. Access competitive composite rates on workers’ compensation and health benefits — and reclaim your time to focus on what matters most: growing your business.
About Us
We provide customized Small Business and Insurance Solutions that embrace you right where you are and grow with you. Whether you're an individual seeking personal coverage or a business owner looking for the best for your team, our approach evolves with your unique goals to nurture and support you at every stage of your journey.
Permanent Life Insurance:
Whole Life & Indexed Universal Life (IUL)
Protect your loved ones and what you’ve built — while also growing cash value over time that you can access when needed.
Term Life Insurance
An affordable option for those who want protection now, with the ability to convert to permanent coverage later as your needs evolve.
Long-Term Care (LTC) Insurance
Ideal for those planning ahead for retirement and future care needs. LTC coverage can be added as a rider to life insurance, offering financial flexibility if care is ever needed.
Key Person (Key Man) Insurance
Protect your business from the financial impact of losing a key team member. This coverage helps safeguard operations, employees, and continuity.
Buy-Sell Agreement Funding
Life insurance can fund buy-sell agreements, ensuring a smooth ownership transition and financial protection for all business partners.
Annuities
A great way to grow and protect your retirement savings with downside protection and the potential for guaranteed lifetime income.
Disability Insurance
If you rely on your skills or profession to earn a living, disability insurance helps replace a portion of your income — typically up to 60% — if you’re ever unable to work due to illness or injury.
Minimum Essential Coverage (MEC) for Employers
Often available at no net cost to employers, MEC plans provide value to employees and satisfy ACA individual mandate requirements.
Level-Funded Health Plans
An excellent option for health brokers to add to their offerings and business owners looking to offer flexible, affordable health coverage with predictable costs and access to quality care.
PEO Broker Services for Employers
Simplify your business operations and maximize savings with the right Professional Employer Organization (PEO). As your dedicated PEO broker, we’ll match you with the best-fit partner for your unique needs. Access competitive composite rates on workers’ compensation and health benefits — and reclaim your time to focus on what matters most: growing your business.
Contact Us
Jhoanna San Agustin
Small Business Advocate
Independent Insurance Broker
California License #4458352
Business Hours
- Mon - Fri
- -
- Sat - Sun
- Closed
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