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7595 Redwood Blvd. Suite 200
Novato CA 94945
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F.A.Q.
Frequently Asked Questions
1. What types of insurance do you offer?
We offer a variety of insurance products, including but not limited to:
- Health Insurance: Individual and Employer Group medical coverage
- Life Insurance: Individual and Employer Group policies to ensure your loved ones or business are financially protected.
- Dental and Vision Insurance: Individual and Employer Group coverage for routine dental and eye care.
- Medicare: Medical and Prescription coverage for seniors
- Travel Insurance: Protection for your trips, including medical emergencies and cancellations.
2. How can I get a quote for insurance?
You can get a quote by contacting us directly through our website, by phone, or by email. Our team will work with you to find the best plan that meets your needs and budget.
3. Do you help people understand their insurance options?
Yes! Our motto is “Making insurance easy to understand.” We take the time to explain your options in clear, simple terms, so you can make an informed decision.
Health Insurance FAQs
4. What does health insurance cover?
Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured. It can also provide coverage for other types of health-related expenses, such as prescription drugs, preventive care, and mental health services.
5. How is health insurance provided?
Health insurance can be provided by the government (like Medicare, Medicaid, or state marketplace plans) or purchased privately through employers or individual plans. The purpose of health insurance is to reduce the financial burden of medical care by covering some or all of the costs, depending on the policy.
Life Insurance FAQs
6. What is life insurance?
Life insurance is a contract with an insurer to provide a payout to your beneficiaries in the event of your death. It helps provide financial protection to your family or dependents.
7. What types of life insurance do you offer?
We offer several types of life insurance, including:
- Term Life Insurance: Provides coverage for a specified period (e.g., 10, 20, or 30 years).
- Whole Life Insurance: Permanent coverage that lasts for your lifetime and builds cash value over time.
- Universal Life Insurance: A flexible policy that allows you to adjust your premiums and coverage.
8. How much life insurance coverage do I need?
The amount of coverage you need depends on your financial obligations and goals, such as supporting your family, paying off debts, or covering funeral expenses. Our agents can help you assess your needs.
Dental & Vision Insurance Insurance FAQs
9. What does dental insurance cover?
Dental insurance typically covers preventive care (e.g., cleanings, exams), basic procedures (e.g., fillings), and major dental work (e.g., crowns, root canals). Coverage varies by plan.
10. Does dental insurance cover orthodontics (braces)?
Some dental insurance plans offer orthodontic coverage, but it often has age restrictions or requires a separate rider or plan. It’s best to review the specific plan details.
11. What does vision insurance cover?
Vision insurance usually covers eye exams, prescription glasses or contact lenses, and sometimes discounts for eye surgeries like LASIK. Coverage may vary by plan.
Travel Insurance FAQs
12. What does travel insurance cover?
Travel insurance can cover a variety of unexpected situations, including trip cancellations, lost baggage, medical emergencies while traveling, and emergency evacuation.
13. Can I get coverage for medical emergencies abroad?
Yes, many travel insurance policies include emergency medical coverage for injuries or illnesses that occur while you’re outside of your home country.
Additional Questions
14. Can I manage my policy online?
Yes, you can manage your policy online through your insurance carrier’s secure portal. You can view your coverage, make payments, and update your information at any time.
15. How do I know which insurance plan is best for me?
We will work with you to understand your specific needs, budget, and goals. Based on that information, we’ll recommend the best options and explain them in detail to help you make an informed decision.
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