Your Local, Independent Insurance Agents

Insurance Offerings


Do you want to protect your health and wealth? You have come to the right place. Navigating the maze of healthcare insurance options can be overwhelming. The decisions that you make today will have a legal and financial impact on your future. That’s why we’re here – to help you direct and protect your hard-earned money.

Affordable Care Act (Individual and Family Plans)

Ignore all of the chatter around the water cooler and let us fill you in on what you need to know.   We’re sure you have a lot of questions!

That is where we come in…so let’s get started!


Taking the Mystery out of Medicare

Medicare can be very confusing, there’s no question about it. That’s what we’re here for. Medicare pays for 80% – we care how you pay for the rest! We make it easy for you to understand, help you figure out your options, when to enroll, what will be covered and so much more! And the best part is, you don’t pay any more or less to have us as your advocate!


Life Insurance

Insurance can and should be much more than something that pays out when someone has died. There are many plans we present to clients that turn your life insurance into a significant part of your retirement package. It also can be used as a significant source of extra income for the surviving family when the right amount of coverage is purchased.


Dental Insurance

But You Do Have Options!

Individual dental insurance is not for the faint of heart!  We’ve researched options and know the good, the bad and the really ugly.  There is no need to re-invent the wheel, just call us!

Turning 26 Plans

Give your adult “child” the BEST 26th birthday present – The gift of Healthcare!

We can help you find a healthcare plan that suits your needs and budget without the hassle! Connect with us to learn more!

Click here for informational resources for “turning 26” healthcare.

Long Term Health Strategies

Project and Protect

Working together, we can assess your immediate or potential future need for long term care coverage and calculate the costs of funding those requirements. We can strategize together on the most cost effective and comprehensive coverage you may need. This will include exploring options of private Long Term Care Insurance, Accelerated Death Benefits (ADBS), Combination Policies (Life Insurance/Long Term Care Insurance), Annuities and other tools.

Bottom line, we want to help you protect your financial assets by mitigating the risk of excessive costs of long term care. A Long Term Care Strategy should be an essential part of your financial planning.

Foreign Travel Insurance

We can’t prevent natural disasters, health issues, government edicts, thieves from stealing, or airline/cruise ship cancellations. But, we can help you regain your monies in the event of such circumstances through a solid travel insurance policy. Let us help put your mind at ease when it comes to insuring your travel investment is protected, even if your wallet is stolen abroad!

Vision Insurance


Having issues with your lenses?  Sent them back 2, 3 or more times and they still are not right?  We know why!  It’s usually the lab that makes them.  If you have the right Vision plan (which has the better labs), the probability is high that you’ll be able to see just fine!

You can purchase affordable, Stand-Alone Vision Plans from us and get your glasses in a few days!

Voluntary Insurance

Below are some voluntary benefits that you may want to consider. There are many options with a variety of levels of coverage.

Disability: Frightening isn’t it? Now you know why it’s important to consider Long-Term Disability Insurance!

Long-Term Disability (LTD): This type of plan insures that you will still get paid a percentage of your salary if you are disabled due to sickness or injury. Typically LTD is provided by your employer, but if not we can help you purchase an Individual Long-Term Disability Plan.

Cancer Insurance: Treatments, Long-term care, Home Healthcare, Travel to treatment facilities, Home healthcare, Child Care, Out-of-pocket expenses.

Critical Illness Coverage: Even if you have health insurance a critical illness can devastate your finances and family. Critical illness insurance offers financial protection if you are suddenly dealing with a health crisis.

While covered illnesses vary by carrier, most cover: Heart Attack, Stroke, Kidney failure. Most insurance companies offer a lump-sum cash benefit, while some will pay a specific amount for different expenses.

Hospital Indemnity: Hospital Indemnity Insurance could be a financial lifesaver during times you are confined to a hospital. Insurance companies typically pay a lump sum that can be used toward your hospital stay, deductibles, co-pays or any way you see fit!

Accident Insurance: You certainly don’t want to discover that you are under-insured after an accident or injury.

Plan ahead and expenses like these may be covered: Hospital stays, Medical exams, Transportation, Lodging, Emergency Treatment.

Are you curious about what we can do for you?

Schedule a complimentary,

no-obligation call with us.








1219 Morningside Drive Manhattan Beach, CA 90266


1116 E Prosperity Ave,
Tulare, CA 93274


Licensed Insurance Agents in AZ, CA, CO, FL, GA, IA, ID, IN, KY, LA, ME, MI, MO, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA


HIR Insurance Agency: 0N01438
Debra Hoffman: 0D06149
Melinda Gann: 0L96681
Oscar Garcia: 4002460
Linda Hirsch: 0I55811