Health Insurance: Health insurance has changed and you can no longer be denied if you have pre-existing conditions with the exception of underwriting on Medicare Supplement plans when you do not have, or qualify for, guaranteed issue situations / special enrollment periods. We are Certified to offer Covered California plans and are a certified Covered California Agency. We can help you determine which plan will work for you and help you determine if you qualify for a subsidy.

Medicare Advantage: Whether you’re Turning 65, are under 65 with SSDI for 24 months – ESRD -ALS, or just want to explore your options, we can help. Open enrollment is October 15th to December 7th. “We do not offer every plan available in your area. Currently we represent 8 organizations that offer 85 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local state health insurance program to get information on all your options.”  Kirkland Insurance Services is a non-government entity. Plans are insured or covered by a Medicare Advantage (HMO. PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Life Insurance: We can shop hundreds of companies for you. Fully underwritten term life insurance includes a free medical exam and the initial applications take less than 10 minutes in most cases. We also offer whole life (Participating and simplified) as well as universal life. You pay nothing unless and until you’re approved at a rate you are willing to accept.

Accident Insurance: Whether your young and invincible or just plain accident prone an accident plan can limit your liability. Accident plans work as a standalone product or in tandem with your medical policy.

Critical Illness Insurance: Pays a lump sum cash benefit upon diagnosis of Cancer, Heart Attack, Stroke and more see plan for details. Policies are subject to simplified and or full underwriting.

Simplified Life Insurance: Requires no exam, great for people who don’t like needles or want to save time. Initial applications are fast! Remember: You pay nothing unless and until you’re approved at a rate you are willing to accept.

Disability Insurance: Your most valuable asset is you! Are you prepared to maintain your standard of living if you’re too sick or injured to work? Travel Insurance: Taking the trip of your life? Going to live or study abroad? Talk to us about affordable options to make sure you’re protected. From simple trip insurance to global expat medical insurance we can get you covered!

Long Term Care insurance: If you or someone you know has had to care for a loved one who needs help with daily activities of living you know how valuable Long Term Care insurance can be.

Annuities: Looking for a stable guaranteed investment where you can lock in gains with a reasonable rate of return? An Annuity could be the right investment vehicle for you.

Is your Trust or Will up to date? We partner with attorneys that can help you establish a trust or will based on your specific needs. It’s never too early or too late to set up or reevaluate your family’s Trust. We can send you a comprehensive fact finder which, once complete, will help us make specific insurance recommendations based on your unique needs.