Live Like You Mean It

Here at Insurance Solutions & Financial Services our mission is to Design affordable insurance solutions to protect your financial future. We are a business-to-consumer insurance agency that provides insurance information to individuals, seniors and businesses.

With over 15 years experience, we bring to you a wealth of health care, business, and financial knowledge to assist in making smart and economical decisions. Customer service is our #1 Priority as we desire to build a long-term relationship with our clients. Integrity, service and education are our promise to you, your family, or your employees.

Lastly, we are not owned by any insurance company, therefore we provide objective information to consumers and business owners, helping them make informed decisions about their insurance needs. Our service are available to all California residents.

We guarantee:

• Education of insurance solutions that best fit your needs and budget.

• Financial and asset protection solutions a comprehensive insurance portfolio.

• Build long-term relationships based on trust and communication.

Contact

➤ LOCATION

Rancho Santa Margarita, CA

☎ CONTACT

jlondon26us@gmail.com
(949) 275-7292

Areas of Practice

Life ▸

Most of us have life insurance through our employers and it is considered “affordable”. The question is what coverage will I have when I leave that employer or retire? Is it a portable policy or do I have to buy it now at my current age? Does it cover my assets, family needs, debt, or final burial expenses? There are 4 types of Life Insurance. They are Term Life, Universal Life, Indexed Universal Life, and Whole Life.

Individual/Family ▸

Individual and Family Insurance provides benefits for a broad range of health-care services. Each year you should review the Essential Benefits of your plan, pediatric dental and vision benefits if you have children under 19 on your plan, and adjustments to deductibles and out of pocket maximums.

Short Term Care ▸

Temporary health insurance is a perfect solution for individuals needing insurance in the short term, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product that fits their monthly budget. Compare plans and pricing, and find the best option.

Annuities ▸

Each day we face difficulties in managing our finances. Inflation, taxes, debt, changing interest rates, and stock market swings. Their effect can unsettle our best intensions and our most precious possessions - peace of mind. One thing we can be certain of is that the future will come, whether we are financially ready or not. The key is to have a "Plan". Annuities are one of many financial protection and retirement plan vehicles. In 2017, fixed and equity index annuities are not considered a security product (such as stocks, bonds or mutual funds).

Group Health ▸

Offering health coverage to your employees can help you recruit and retain the quality workers who can help make your business a success. In a recent survey, a group of small employers gave the following reasons for offering health benefits to their workers:

• 80 percent report that it helps with recruitment and retention
• 70 percent report that it increases productivity
• 68 percent report that it reduces absenteeism

Disability ▸

Today career women and men contribute heavily to the welfare of their family. If their income stopped, many family plans would have to be discontinued. Even if unmarried or single, an individual generally has current obligations and future plans. If a disability or illness were to interrupt their career, wouldn’t the prolonged loss of income be a serious blow to your plans for the future?

Dental ▸

Good oral health is a vital quality of life issue. It affects your mental and physical wellness. The Surgeon General's Report on Oral Health confirms that oral diseases can affect our ability to eat, the foods we choose, how we look and the way we communicate. Research continues to establish links between periodontal disease and several serious health conditions including: heart disease and stroke, osteoporosis, low birth-weight pregnancy, diabetes, and respiratory infection. These diseases can affect economic productivity and compromise our ability to work at home, at school, or on the job.

Retirement Plans ▸

Seniors should adjust their insurance policies to reflect their new stage of life.Now is the time to take the first step toward finding low cost health insurance and saving money on your premiums.

Medicare ▸

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with permanent kidney failure (also known as End-Stage Renal Disease or ESRD). Medicare covers many health care services and supplies, but there are many costs (gaps) it does not cover.It is important to review your health care needs every year. If you are dissatisfied with your current plan’s cost and coverage or customer services you have options for change.

Long Term Care ▸

Long-term care is the daily assistance necessary when one contracts a serious disability that lasts for a period of time (considered 90 days and longer), and they are not able to care for themselves. Types of care include: home health care, home care, adult day health care, respite care, assisted living facilities, skilled nursing facilities and hospice services.

Vision ▸

Did you know: - More than 65% of today's workforce wear eyeglasses
• Approximately 70% of people who regularly use a computer suffer from
eye strain, headaches and blurred vision.
• More than 28 million Americans over the age of 40 have eye ailments
that put them at risk for vision loss and blindness.