🧬 Life Insurance

Peace of mind that lives on.
We offer flexible life insurance options to protect your loved ones or fulfill business planning needs:

• Term Life – Affordable coverage for a set period (10, 20, 30 years)

• Whole Life – Permanent coverage with fixed premiums and cash value

• Universal Life – Flexible coverage with adjustable premiums

• Key Person Life Insurance – Protection for businesses that rely on key leadership or partners

• Buy-Sell Agreements – Funding tools to protect business continuity in the event of a partner’s death

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🏥 Health Insurance

Coverage that cares for your health and your wallet.
Whether you're self-employed, between jobs, or looking for better value, we can guide you through individual or family plans, both on and off the exchange.

• Individual & Family Plans – Including ACA-compliant coverage

• Group Health Insurance – For small to mid-size businesses

• HSA-Compatible Plans – Combine high-deductible policies with tax-advantaged savings

• Supplemental Health – Dental, vision, accident, critical illness

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💼 Disability Insurance

Your paycheck is your most valuable asset.
Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. We help you determine how much protection you need—and which plan fits your income and occupation.

• Short-Term Disability – Income protection for up to 6 months

• Long-Term Disability – For extended illnesses or injuries

• Own-Occupation Coverage – Especially important for professionals

• Group Disability Plans – For business owners offering employee benefits

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🧓 Long-Term Care Insurance

Planning ahead for aging with dignity.
Health insurance and Medicare won’t cover the cost of extended care. Long-Term Care (LTC) insurance helps pay for:

• Assisted living

• In-home care

• Nursing facilities

• Memory care

We’ll help you explore traditional and hybrid options that work with your long-term financial goals and family dynamics.

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🛠️ We Give You Options

• Compare plans from multiple top-rated insurers

• Understand the real differences in coverage and exclusions

• Choose solutions that align with your budget, age, and risk tolerance

• Review annually to make sure your coverage keeps up with your life

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❓ Frequently Asked Questions

Can I get life insurance if I have a health condition?
Yes, many carriers offer policies with simplified underwriting or graded benefits for individuals with certain conditions.

What’s the best age to buy Long-Term Care insurance?
Generally, between 50–60 is ideal. Waiting too long can increase costs or reduce eligibility.

Is disability insurance just for dangerous jobs?
Not at all—most claims come from illness, not injury. If you rely on your income, it’s worth protecting.

Can you help with Covered California plans?
Yes—we can help you review marketplace options and determine whether an on-exchange or off-exchange plan makes more sense for you.

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📞 Let’s Talk About Protecting the Life You’ve Built

Whether you’re starting a family, growing a business, or planning for retirement, we’ll help you design the right mix of protection—without the pressure or jargon.

Call: 805-328-5001
Email: info@aecriskmanagement.com