Health Insurance: Health insurance has evolved, and pre-existing conditions no longer result in denial of coverage, except for Medicare Supplement plans that may require underwriting in specific situations outside guaranteed issue or special enrollment periods. As a Certified Covered California Agency, we can assist you in finding the right plan and determining your eligibility for subsidies.

Medicare Advantage: Whether you’re turning 65, under 65 with SSDI for 24 months (including due to ESRD or ALS), or simply exploring options, we can guide you through Medicare Advantage plans. Open enrollment runs from October 15th to December 7th.

CMS Disclaimer: “We do not offer every plan available in your area. Currently, we represent 35 organizations that offer 317 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.” Kirkland Insurance Services is a non-government entity.

Life Insurance: We compare hundreds of insurance companies to help you find the best term, whole, or universal life insurance options. Fully underwritten term life insurance includes a free medical exam, with applications often taking less than 10 minutes. You won’t pay anything unless and until you’re approved at a rate you’re comfortable with.

Accident Insurance: Protect yourself from unexpected accidents. Whether you’re young and active or just accident-prone, accident insurance helps limit financial liability. This coverage can be standalone or paired with your medical insurance.

Critical Illness Insurance: Receive a lump-sum payment upon diagnosis of conditions like cancer, heart attack, or stroke. Policies come with simplified or full underwriting depending on your needs. Check the specific plan for details.

Simplified Life Insurance: No medical exam is needed, making it a perfect solution for those who dislike needles or want a quick process. The application is fast, and you pay nothing until you are approved at a rate you accept.

Disability Insurance: Protect your most valuable asset—your income. Ensure your financial stability in case illness or injury prevents you from working, so you can maintain your standard of living.

Travel Insurance: Planning the trip of a lifetime or moving abroad? We provide affordable travel insurance options to ensure you’re protected. From basic trip insurance to global expat medical coverage, we have the plan for you.

Long-Term Care Insurance: Long-term care insurance provides essential support if you or a loved one requires daily living assistance. It’s invaluable for those who need help with daily activities but want to avoid burdening family members.

Annuities: Secure your financial future with a stable, guaranteed investment. Annuities offer a reliable rate of return and allow you to lock in gains—ideal for those looking for long-term financial stability.

Trusts & Wills: Is your estate plan up to date? We can refer you to affordable legal planning services including attorneys who specialize in trusts and wills to ensure your family’s future is protected. It’s never too early or too late to establish or update your trust. We can provide a comprehensive fact-finder to help guide you through the process.