Activa Insurance Agency is licensed by the California Department of Insurance, (license number 0D96968) and we represent most major carriers in our area and we offer health, life, final expense, dental, vision plans for individuals, families and business groups. We are also certified to represent and sell Affordable Care Act plans (Covered California), Medicare Advantage plans and Medicare Supplements.
Activa Insurance is independently owned and non-captive which allows us to shop for the best plans available. With more than 30 years' experience of serving the public, we know what it takes to achieve customer satisfaction. Purchasing insurance can be confusing particularly when trying to decipher terms like copays, deductibles, coinsurance, HMO, PPO, HSA, etc.
However, we are here to bring clarity to this confusion and we will educate you so that you can make an informed decision about your health or life coverage. Together we can choose a plan that you can afford and that provides the coverage that you need.
Activa Insurance is independently owned and non-captive which allows us to shop for the best plans available. With more than 30 years' experience of serving the public, we know what it takes to achieve customer satisfaction. Purchasing insurance can be confusing particularly when trying to decipher terms like copays, deductibles, coinsurance, HMO, PPO, HSA, etc.
However, we are here to bring clarity to this confusion and we will educate you so that you can make an informed decision about your health or life coverage. Together we can choose a plan that you can afford and that provides the coverage that you need.
Services
Individual health insurance is, quite simply, coverage that an individual purchases for himself and/or his family.
The Affordable Care Act (ACA) has made significant changes to how individual insurance policies are rated and the benefits that these policies provide.
Individual insurance policies and provisions are also regulated by the state where the policy is purchased.
Individual policies are often purchased with the advice of a professional insurance producer due to the complexity of coverage offerings and the premium cost.
The Affordable Care Act (ACA) has made significant changes to how individual insurance policies are rated and the benefits that these policies provide.
Individual insurance policies and provisions are also regulated by the state where the policy is purchased.
Individual policies are often purchased with the advice of a professional insurance producer due to the complexity of coverage offerings and the premium cost.
Term Life: Protection against premature death that comes in the form of Life Insurance.
It pays a benefit only when an insured dies within a specified period, and a designated beneficiary receives the death benefit.
If the insured lives beyond the specified period, the beneficiary receives NO benefit.
Whole Life: The insurance policy offers protection in case the insured dies, but also builds up cash value over time.
Under normal circumstances, the policy remains active for the lifetime of the insured, or until a specified age.
It pays a benefit only when an insured dies within a specified period, and a designated beneficiary receives the death benefit.
If the insured lives beyond the specified period, the beneficiary receives NO benefit.
Whole Life: The insurance policy offers protection in case the insured dies, but also builds up cash value over time.
Under normal circumstances, the policy remains active for the lifetime of the insured, or until a specified age.
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