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Brad serves San Diego County residents from his conveniently located office in Mission Valley.  With over 30 years of experience working with individuals, families and small businesses, he is well positioned to help solve your health, life, disability and long-term care insurance needs.

Since his philosophy is to “buy insurance for the risks you cannot afford”, Brad and his staff try to tailor the coverage to the client’s specific situation.  This includes completing a short questionnaire followed by a brief telephone conversation.  There is a questionnaire located under the section for each type of insurance listed above.  The next step is to have Brad’s staff impartially compare the top insurance carriers and respond with the most competitive estimated premiums.

Although individual health insurance may be compared, selected and applied for directly on this site, caution is advised for any plan covering “generic only” prescription drugs and for females selecting a “no maternity” plan.

The most cost effective health insurance strategy is to combine the benefits of the relatively new, tax-advantaged Health Savings Account (HSA) with a compatible high deductible health insurance plan. Ask Brad how this tax-advantaged strategy may benefit you and your family.

Small to medium sized businesses may also benefit from adding Health Savings Account plans as one of their employee benefits.  Select the “group insurance” tab to tell us about your business and complete the employee census.

For individuals seeking life insurance, estimating premiums in advance is becoming more and more challenging since many of the most competitive carriers have started promoting multiple rate classes, the latest being “super preferred”.  This technique often becomes a “bait and switch” situation resulting in higher premiums being offered because the client is not in perfect physical shape.  Qualification for the lowest rates depends on the following factors:
  • Height and weight
  • Family history, especially cardiovascular and cancer deaths
  • Current medications and chronic conditions
  • Medical conditions even if controlled by medication
  • Tobacco usage history
  • Motor vehicle record including DUI’s, speeding, reckless driving
  • Last cholesterol and blood pressure readings
  • Occupation or hazardous activities like sky or scuba diving, flying small aircraft, hang gliding, mountain climbing or motor vehicle racing.
Each insurance carrier has different preferences and each weights the conditions differently.  In order to accurately research the marketplace for our clients, we require the completed Preliminary Medical History Questionnaire located under the life insurance tab.

For the same reasons it is very helpful to complete the Disability Income and Long-term Care questionnaires as well as the Part D Medicare Prescription Drug plan worksheets for seniors.

Our office is conveniently located in central San Diego to serve Mission Valley, Downtown, Bay Park, Clairemont, Hillcrest, Point Loma, Ocean Beach, Pacific Beach, La Jolla and the surrounding communities.  There is easy access to the office and parking is free (see the Driving Directions button.)

We look forward to earning your business.