Southern Cal Insurance is a completely independent insurance agency specializing in Medicare, Covered California, Auto & Home Insurance and much more. We work with the top insurance companies so we can offer our clients the best coverage for them. Our clients are located all across California, giving us a great feel for the insurance landscape.
Our agency designs plans with a focus on risk management and low costs, which he combines with personalized insurance advice aimed at helping clients make better informed decisions.Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.
Often times our advice and good counsel is engaged without payment. That underscores our commitment to serve as your advocate, focusing our attention on putting your best interests first.
Our agency designs plans with a focus on risk management and low costs, which he combines with personalized insurance advice aimed at helping clients make better informed decisions.Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.
Often times our advice and good counsel is engaged without payment. That underscores our commitment to serve as your advocate, focusing our attention on putting your best interests first.
Services
Tom Sandoval was professional, knowledgeable, and patient in an initial conversation.
He took the time to make sure I had all of my questions answered, even thinking of questions I had not considered.
I plan to come back to him first for my insurance needs.
Let me start by saying Tom is the greatest because I was having so much trouble with Covered California.
My trouble began about 3 years ago with Covered California trying to get my husband, my daughter and myself on a plan.
Something was always going wrong, we were in the system twice, we were told things were corrected and found out they weren't.
He took the time to make sure I had all of my questions answered, even thinking of questions I had not considered.
I plan to come back to him first for my insurance needs.
Let me start by saying Tom is the greatest because I was having so much trouble with Covered California.
My trouble began about 3 years ago with Covered California trying to get my husband, my daughter and myself on a plan.
Something was always going wrong, we were in the system twice, we were told things were corrected and found out they weren't.
Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Southern Cal Insurance can provide you with a wide array of products and services from a variety of respected insurance and benefits providers.
We obtain and evaluate proposals from all available carriers.
We can introduce and educate you or your family on the benefits.
Southern Cal Insurance offers a complete line of insurance products and services.
These products and services are designed to provide solutions to your personal and business financial needs.
We obtain and evaluate proposals from all available carriers.
We can introduce and educate you or your family on the benefits.
Southern Cal Insurance offers a complete line of insurance products and services.
These products and services are designed to provide solutions to your personal and business financial needs.
Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
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