Insurance Product Lines - Life, Term, Universal Life & Whole Life | Disability - Personal Income Protection, Business Overhead, Business Disability Buy out | Annuities | Long Term Care | Employee Benefits - Medical, Dental, Vision, Long Term Disability, Retirement, Voluntary Benefits | Individual Health Insurance - Covered California, Alternative Markets.
As a broker, Scott Financial Services shops all carriers and all options on behalf of their customers and chooses to establish a client relationship first. Scott Financial Services has been in business for 42 years and provides all individual life, personal disability, annuity and long term care services. Sandra loves to dig into her clients issues to come up with solutions that both fit their needs as well as their budgets.
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability. Sandra Scott always maintains a high standard of excellence and ethics.
As a broker, Scott Financial Services shops all carriers and all options on behalf of their customers and chooses to establish a client relationship first. Scott Financial Services has been in business for 42 years and provides all individual life, personal disability, annuity and long term care services. Sandra loves to dig into her clients issues to come up with solutions that both fit their needs as well as their budgets.
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability. Sandra Scott always maintains a high standard of excellence and ethics.
Services
What is a broker.
Sandra prefers to acquire customer first, assist in determining their needs and then shopping the full insurance market place on their behalf.
Brokers ARE NOT affiliated with any one insurance carrier nor does Sandra receive any support for her business expenses from anyone.
She chooses to provide her customers with a full spectrum of options so they may choose plans and prices that fit their budget.
When I started out, I lived in the Midwest and the best jobs were in the insurance companies locally.
Sandra prefers to acquire customer first, assist in determining their needs and then shopping the full insurance market place on their behalf.
Brokers ARE NOT affiliated with any one insurance carrier nor does Sandra receive any support for her business expenses from anyone.
She chooses to provide her customers with a full spectrum of options so they may choose plans and prices that fit their budget.
When I started out, I lived in the Midwest and the best jobs were in the insurance companies locally.
Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future.
You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income.
An annuity contract is a contractual obligation between as many as four parties.
They are the issuer (usually an insurance company), the owner of the annuity, the annuitant, and the beneficiary.
The beneficiary is the individual designated by the annuity owner who will receive any death benefit when the annuitant dies.
You can purchase an annuity to help grow or protect your retirement savings or to provide you with guaranteed income.
An annuity contract is a contractual obligation between as many as four parties.
They are the issuer (usually an insurance company), the owner of the annuity, the annuitant, and the beneficiary.
The beneficiary is the individual designated by the annuity owner who will receive any death benefit when the annuitant dies.
Individual health insurance: This is a plan you buy on your own.
An individual plan can cover just one person or a family.
You can buy directly from the best health insurance companies through an agent that is licensed (called Off Exchange) or from your state's health insurance marketplace which is called Covered California in the state of California.
Not all agents are licensed to offer assistance with applying for coverage through Covered California.
If an individual is hoping for obtaining a federal and or state subsidy (help paying their premiums) then they MUST apply thru Covered California.
An individual plan can cover just one person or a family.
You can buy directly from the best health insurance companies through an agent that is licensed (called Off Exchange) or from your state's health insurance marketplace which is called Covered California in the state of California.
Not all agents are licensed to offer assistance with applying for coverage through Covered California.
If an individual is hoping for obtaining a federal and or state subsidy (help paying their premiums) then they MUST apply thru Covered California.
A life insurance policy is a contract with an insurance company.
In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.
Typically, life insurance is chosen based on the needs and goals of the owner.
There are many kinds of life insurance and life insurance combinations to meet the needs of individuals, businesses and families.
Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term.
In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.
Typically, life insurance is chosen based on the needs and goals of the owner.
There are many kinds of life insurance and life insurance combinations to meet the needs of individuals, businesses and families.
Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term.
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