YOUR MONROVIA INSURANCE SPECIALISTS
Serving Southern California since 1958!
We specialize in Group Health Insurance, Individual Health Insurance, Medicare,
Life Insurance, Long Term Care and Annuities. Give us a call 626.357.9230
About us
We have been serving Monrovia and the greater Los Angeles area with individual and employee benefits for over 60 years. Our family owned business is very service oriented and ready to help make signing up a breeze. We make it easy for you to bundle health/dental/vision plans, life policy, medicare or retirement plans for your business.
Our mission
Navigating life without insurance is far too risky in this day and age. Accidents can happen to anyone. Let us show you a plan that works best for your needs and your budget. We want you to be comfortable that you are covered when it matters the most.
Our Services
Individual & Group Insurance
Health, Dental & Vision Plans from all top providers including Covered California
Medicare & Long Term Care
Medicare, Supplement and Prescription Plans. Continuing personal care and Nursing Facility Care
Life Insurance
Whole Life, Term and Universal Policies
Annuities
Tax Deferred & Immediate Fixed Income
Our Experts
President, Chief Insurance Broker
Craig Klug
Assistant Insurance Broker, Tech Specialist
Darren Klug
Hear About Us From Our Happy Customers
Craig and Darren graciously answered all of my questions and helped make sure I was covered.
Robert J.
I just lost my job due to Covid and lost my group coverage. I called Craig and he made it extremely easy to sign up for health insurance for myself and my family.
Kevin S.
I’m not super happy about turning 65, but I can say that I have a huge smile on my face after saving so much on medical premiums by coming off my group plan and switching over to Medicare! Craig and Darren also set me up with a Medicare Supplement and a Prescription Drug plan to make sure I was completely covered.
Ron M.
We just finalized a group plans for my business. Quick, easy and headache free. It’s a great benefit for current and future employees. It also helps us look attractive when hiring great, new talents to our team.
Rick P.
FAQs
When can I sign up for Health Insurance?
A group can sign up anytime during the year. The only time to sign up for individual coverage is in November and December for a January 1st effective date. If you are unhappy with your current plan give us a call to discuss your options.
Do I need insurance in California?
Having health insurance coverage is always a good idea wherever you are, but in California, beginning on January 1, 2020, you will be required by law to have minimum essential coverage for yourself and any dependents in your family or you could pay a penalty when filing your tax return
Am I exempt from the Healthcare Mandate?
If you have insurance already, either individual/family or group coverage or continuing coverage, or Medicare there is no need to worry. If you do not have health insurance you may be exempt from the mandate/penalty. 1 example would be if your income is below the tax filing threshold or health insurance cost is exceeding 8.24% of household income. Another example would be if you are living abroad. For more examples please click HERE
Are prescriptions included in my health coverage?
If you have health insurance in California your plan will have prescription coverage. Depending on the plan you have different tiers will have different pricing structures. If you are signing up for Medicare you will need to purchase a Part D plan for prescription coverage. Do not forget your supplement plan
Our Carriers
Get In Touch
Financial Security Concepts
110 E. Lemon Ave. Suite A
Monrovia, CA 91016
Phone: 626.357.9230
Fax: 626.357.9231