We've served the Orange County area - Irvine, Tustin, Orange, and Santa Ana - and greater Southern California Region for over 16 years. And now in 2022 we are also serving the Arizona market. There is no cost to you for my services as your insurance agent. Like all insurance agents, I work on a commission basis and I am paid by the companies I represent.
I am an independent agent, which means I am not bound to a single company. Therefore I can offer you multiple solutions from a wide variety of highly rated companies. I have over 16 years of experience working in the insurance industry. My experience has allowed me to develop a breadth of knowledge on a wide array of products. I make it a priority to build trusted relationships with each of my clients, so that I can better serve their needs and wants.
I care about each of my clients' well being.
I am an independent agent, which means I am not bound to a single company. Therefore I can offer you multiple solutions from a wide variety of highly rated companies. I have over 16 years of experience working in the insurance industry. My experience has allowed me to develop a breadth of knowledge on a wide array of products. I make it a priority to build trusted relationships with each of my clients, so that I can better serve their needs and wants.
I care about each of my clients' well being.
Services
As the name implies, Provident Financial & Insurance Services, Inc. focuses not only on wealth accumulation products and strategies during the pre-retirement phase of your life, but also wealth preservation and distribution products and strategies during the post-retirement phase.
Planning for retirement has drastically changed over the years.
People are living longer, fewer companies offer pensions to their employees, the cost of medically related issues continue to rise, and the number of products on the market today is overwhelming.
Planning for retirement has drastically changed over the years.
People are living longer, fewer companies offer pensions to their employees, the cost of medically related issues continue to rise, and the number of products on the market today is overwhelming.
First let's define Long Term Care (LTC) - LTC is a service or range of services provided to those who are no longer able, or have difficulty, performing two of six activities of daily living, such as getting out of bed, dressing, eating, or suffer from severe cognitive impairment, and the condition is determined by a medical professional to last at least 90 days or longer.
This can be a result of illness, aging, or an accident, and can therefore affect anybody.
Health: Almost all options require underwriting, which could make some options unavailable.
This can be a result of illness, aging, or an accident, and can therefore affect anybody.
Health: Almost all options require underwriting, which could make some options unavailable.
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare Part A (Hospital Insurance) - Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance) - Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part A (Hospital Insurance) - Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance) - Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
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