Phone, Skype or Face to Face Meetings
Terms of Service – Expectations


  1. We are happy to set up phone, Skype or face to face  appointments during normal working hours.  Just click here to use the scheduling tool.
    1. Outside of normal hours may be available on request
  2. Prior to the meeting, we ask that you:
    1. For Health Insurance get a quote – proposal so that we have a “start” on the information we need to help you
      1. If it’s not Open Enrollment, that you review the Special Enrollment Reasons – Triggers.
    2. We also need to have any relevant documents emailed or uploaded via secure site to us prior to the meeting so that we can review them, to help you file an appeal or get the issue resolved.
      1. We’ve learned that we must read documents, legal codes, Insurance Company rules, three times and when we think we understand them, to read them again, per Justice Felix Frankfurther.
    3. A list of your Questions – Set an Agenda 
      1. so we can research your issues and be able to ask you the correct questions to help you.
    4. If you are with Covered CA – that you appoint us as your agent, Instructions.
      1. If you don’t like our service, you can always change it later.
  3. We will send you the relevant brochures, Insurance Company rules, Law and information via email prior to the meeting, so that we both have them for review and reference.
    1. You may only rely on the printed word with a bonafide citation to actual law or relevant brochure… not anything that we may have said, interpreted or that you think we said.   We will email them to you after the meeting, if they were not in what we sent prior to the meeting.
  4. We will call you at the appointed time.
    1. That way we can review everything before we call and have the information on our monitors and at our finger tips.
  5. Competent adults must contact us directly.  We will not and are not allowed to transact Insurance – a legal document, through 3rd parties or their parents?
    1. Parents – Advisers can always ask questions on our website.
    2. Parents – Advisers can read any of the quotes and emails we send to the person they are trying to help.
  6. If you want to discuss Medicare Advantage plans, everyone must sign a scope of appointment 2 days prior to the meeting.
    1. If you are not able to download, sign and return the scope of appointment, just send an email that your read, understood and agree to it.
  7. It’s 2018, commissions have been cut, thus we concentrate on helping our clients with the complicated, convoluted parts of insurance.
    1. If the relevant insurance company has an online affiliate application – link, we expect that you will be able to complete the application.  This generally takes 20 to 30 minutes.
      1. We can help, but we would rather concentrate our time on the complicated things…
      2. View President Trump’s Speech on how complicated Health Insurance is.
  8. There is NO Charge for meeting with you.  We are compensated by the Insurance Companies to help you.  If they don’t pay us, they have to pay their employees to it.
    1. There are times, when people ask us to do research, tutoring and education and since the Insurance Company won’t be paying us, like if they are getting coverage from their employer, other insurance agents, attorney’s, they feel they are obligated to buy from their cousin in the business, Medi Cal, SSI, etc. that you can pay us directly for our time.  Click here to learn more.
President Trump – Health Insurance is VERY complicated
Individual & Family Quote
Individual & Family Quotes


We are still here. We’ve been forced to be efficient. Many of the brokers who have left the market – refer clients to us

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