Individuals and Families
Little Business Wealth Advisors is a family business, and none of us would be here if it wasn't for family. We know the importance of protecting family and we want to make sure that every individual and family has health insurance.
If you do not have access to an employer-sponsored plan and you realize it is critical that you have health insurance, it can be quite confusing trying to select a plan and knowing what is and what isn't covered. And then there are such industry-only terms like "deductible", "maximum-out-of-pocket" and "co-pays". LBWA is here to assist you in finding a plan that will strike the perfect balance between cost and benefits. We also help navigate the labyrinth of the claims process (and we can be of more service if we get involved before any procedures are done to ensure they will be covered).
Dave is certified as a Covered California agent and can assist with the application process to see if you might qualify for government premium assistance.
We have a dedicated website to assist in generating your own personalized quote www.coveredfresno.com and you can apply online, or you can click on the Request a Quote tab on this site.
Life Insurance- "You know, it is never a good time to talk about life insurance." LBWA has said this over and over again to try and get everyone to understand the importance of life insurance. Losing a loved one is hard enough without having to worry about financial obligations. Families are often unprepared for this sudden loss, and life insurance can provide financial support and peace of mind at a difficult time.
If you have a child, spouse, home or business, you need life insurance!
There are a myriad of different types of life insurance policies that have different costs and features. We can help navigate you through this and assist in determining the right type of policy and the right amount of coverage. Please use the Request a Quote tab and we will contact you within 24 business hours.
Remember: The need for life insurance changes over time. It goes from protecting the family and home to protecting and transferring your estate, while providing liquidity at a time it is needed most.
Long Term Care (LTC)- Today, LTC is important for people of all ages if they want to preserve financial security and idependence in the event of an extended disability. And despite poplular misconceptions, the need for long term care isn't restricted to the elderly, because many working age adults have disabling injuries and illnesses.
The financial impact of long term care is significant, no matter where it is provided, and government programs don't always pay for services. When a year in a nursing home can cost between $40,000 and $100,000, why not insure that risk?
One of the most common perceived negatives about LTC Insurance is that if you do not use it, the Insurance Company keeps your premiums and the insured sees no benefits (kind of like Home Owners Insurance). There are now Life Insurance policies with a LTC rider and if you never use the rider, or just part of it, the beneficiaries will receive the death benefit income tax free and most likely out of probate!
Authorized Anthem/Blue Cross Agent
Please check out a couple websites dedicated to Long-term care on our Featured Links page (under About Us). There is also a Request a Quote right here on our web site!