Our Services Life Insurance
LifeInsurance.
Coverage that supports your financial plan instead of competing with it. As an independent broker contracted with over 30 A-rated insurance providers, we work for you, not a carrier.
Existing benefits
Survivor Benefits You May Already Have
Your pension system and employer already provide survivor benefits. We review them before you buy more coverage.
- CalPERS 1959 Survivor & Special Death Benefit
- CalSTRS 1957 Survivor Benefit
- Pre-Retirement Option 2W Benefit
- Federal and State Line-of-Duty Death Benefits
- Workers’ Comp Death Claims
- Social Security Survivor Benefits
- Contractual and Association-Based Coverages
Common problems
What We See in Policies Sold to Public Safety
Sold as an Investment
Framed as an investment vehicle, often inappropriately.
Poorly Rated Carriers
Offered through insurance companies with weak ratings.
Competing With Your 457
Positioned as a replacement for your 457(b) plan.
No Connection to Your Goals
Recommended without regard for your actual financial plan.
At retirement
Survivor Option or Life Insurance
Pension Survivor Option
- Lifetime monthly income for your spouse
- Permanently reduces your own pension
- Usually can’t be undone after you retire
Life Insurance
- A lump sum for your beneficiaries
- Costs a premium; your pension stays whole
- Requires health underwriting; can be adjusted or dropped
The right mix depends on your health, ages and other assets.
Our approach
How We Recommend Coverage
Affordable Term First
Most members are best served by affordable term insurance that fills real gaps.
Permanent Only When It Fits
Permanent coverage may be used in select cases, never as a blanket solution.
Self-Insured Over Time
Strong pensions, sound investing and responsible financial habits.
