Tones Insurance & Financial Services
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Tones Insurance & Financial Services
It is our commitment and desire to establish trust and a long lasting relationship with our clients. Annuities are designed to meet long-term needs for retirement income. Fixed annuities provide guarantees against the loss of principal and credited interest and the reassurance of a death benefit for beneficiaries. These guarantees are backed by the financial strength and claims paying ability of the issuing insurance company.

When you purchase a Secondry Fixed Term Annuity, you, the Buyer, receive the rights to fixed annuity payments in exchange for a lump sum payment to an individual who is the original Existing Annuitant. By purchasing an individual's right to receive payments, you receive high yield returns while the Existing Annuitant enjoys the benefi ts of having cash now.

Health Insurance covers the insured against loss 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.
Services
Health Insurance covers the insured against loss by illness or bodily injury.
Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses.
Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder.
Health insurance can be directly purchased by an individual, or it may be provided through an employer.
An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy.
It is our commitment and desire to establish trust and a long lasting relationship with our clients.
This commitment has served us well throughout the years.
We take pride in knowing that our clients keep returning to us for advice.
We tried to provide the viewer with a basic understanding of some subjects we specialize in.
If you have a need for our service, and insurance consultancy, please feel free to contact us.
Shahram M. Alae holds a California state-regulated Life, Accident, Health Insurance License as well as Property and Casualty Broker-Agent Insurance License to offer insurance and financial services and advises clients on how to preserve their assets, increase their income, decrease their debt and reduce their taxes.
He specializes in assisting his clients with safe guaranteed compounded-growth pre- and post- retirement products that provide returns linked to market indexes without risk to principal or prior gains.
Today, health care costs are high, and getting higher.
Who will pay your bills if you have a serious accident or a major illness?
You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially.
With health insurance, you protect yourself and your family in case you need medical care that could be very expensive.
Atlas MultiTrip is available to individuals and their families who require annual medical insurance with coverage for multiple trips of 30 or 45 days duration or less, as elected by the insured.
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