An experienced insurance broker is ready to answer any questions you may have and go over your options with you. We work with all major medical carriers to ensure you get the best deal for health insurance! Add value to your business and for your employees with group benefits (health, dental, and more)! Sansevieri Insurance Services provides peace of mind and confidence that comes from the knowledge that your insurance needs are being met by a company built on Biblical Principles.
Honesty and integrity have been our foundation for over 34 years. We have your best interest in mind. We focus on your specific needs and budget, using our experience and knowledge to help you define your insurance priorities. Sansevieri Insurance Services specializes in Individual and Group Medical Coverage as well as Dental & Vision Benefits, Life Insurance, Disability and Annuities.
We help take the confusion and aggravation out of setting up medical and life insurance, and provide you with a hassle-free evaluation, concise benefits and pricing information.
Honesty and integrity have been our foundation for over 34 years. We have your best interest in mind. We focus on your specific needs and budget, using our experience and knowledge to help you define your insurance priorities. Sansevieri Insurance Services specializes in Individual and Group Medical Coverage as well as Dental & Vision Benefits, Life Insurance, Disability and Annuities.
We help take the confusion and aggravation out of setting up medical and life insurance, and provide you with a hassle-free evaluation, concise benefits and pricing information.
Services
You don't want to wait until you have a medical emergency to find out your insurance doesn't cover everything.
Let us help you understand your policy and the trade-offs between a lower monthly premium and a higher deductible.
Out-of-pocket maximum (OOP) - this is the most you will be responsible to pay out of pocket in a calendar year.
Generic vs. brand prescriptions and if there is a deductible specific to your prescriptions.
If you understand how your insurance works, you'll be better prepared to keep your costs as low as possible.
Let us help you understand your policy and the trade-offs between a lower monthly premium and a higher deductible.
Out-of-pocket maximum (OOP) - this is the most you will be responsible to pay out of pocket in a calendar year.
Generic vs. brand prescriptions and if there is a deductible specific to your prescriptions.
If you understand how your insurance works, you'll be better prepared to keep your costs as low as possible.
Term life insurance provides coverage for a specific period of time, usually from one to 30 years.
Term policies provide a death benefit only if the insured dies during the term.
This can be at a guaranteed rate or in some cases a guaranteed rate for a period of time and then a projected rate.
For example: 30 year level term would guarantee a level premium for 30 years based on a specified death benefit.
Term life insurance is usually the least expensive form of life coverage, at least initially.
Term policies provide a death benefit only if the insured dies during the term.
This can be at a guaranteed rate or in some cases a guaranteed rate for a period of time and then a projected rate.
For example: 30 year level term would guarantee a level premium for 30 years based on a specified death benefit.
Term life insurance is usually the least expensive form of life coverage, at least initially.
Life insurance, which has a guaranteed level premium for the rest of one's life with no increases in premium, with a guaranteed cash value.
There is participating whole life insurance usually issued by a mutual life insurance company where one participates as an owner of the company and there is non-participating whole life insurance issued by a stock life insurance company.
Sansevieri Insurance can help you through the process, serving Laguna Beach and all of California.
Call us today at (949) 722-6078.
There is participating whole life insurance usually issued by a mutual life insurance company where one participates as an owner of the company and there is non-participating whole life insurance issued by a stock life insurance company.
Sansevieri Insurance can help you through the process, serving Laguna Beach and all of California.
Call us today at (949) 722-6078.
A flexible premium Life Insurance Policy under which the policyholder may change the death benefit from time to time (with satisfactory evidence of insurability for increases) and vary the amount or timing of premium payments.
Universal life insurance is a permanent policy (covers you for your entire life) that gives the owner the rights to vary premium payments and the death benefit within certain prescribed limits.
This type of policy also includes an accumulation account whose rate of return fluctuates according to investment performance but will not fall below a guaranteed minimum rate of return, such as two or three percent.
Universal life insurance is a permanent policy (covers you for your entire life) that gives the owner the rights to vary premium payments and the death benefit within certain prescribed limits.
This type of policy also includes an accumulation account whose rate of return fluctuates according to investment performance but will not fall below a guaranteed minimum rate of return, such as two or three percent.
Disability insurance replaces a portion of your regular income when an accident or illness keeps you from working.
Your income is your most important asset, and disability insurance may be the difference between your family maintaining its lifestyle or making serious changes.
Disability insurance is most commonly offered as part of an employer's benefit package but can also be purchased by individuals.
There are two types of disability insurance - short term disability (STD) and long term disability (LTD).
Your income is your most important asset, and disability insurance may be the difference between your family maintaining its lifestyle or making serious changes.
Disability insurance is most commonly offered as part of an employer's benefit package but can also be purchased by individuals.
There are two types of disability insurance - short term disability (STD) and long term disability (LTD).
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