California Insurance Blog: Health, Life, Mortgage Quote

Anacapa Insurance Services (AIS) is a full-service insurance brokerage serving the needs of individuals and small businesses throughout Ventura and Santa Barbara counties. We specialize in health and life insurance coverage and offer exceptional benefits at affordable rates with the very best insurance carriers in the country. The real difference is in the service we provide. By listening to you, the customer, and paying attention to your needs and your particular situation, we will find the best plan for you. And as your life and situation changes, we will make sure that your insurance plan changes with you. We will keep you up to date on changes in the industry and inform you of new plans and options that might be of interest and benefit for you. That is the true advantage of dealing with a broker: we are not locked into one company and its plans. If one of our other companies has a better plan or a better rate, we can easily switch you to get those benefits. With health insurance in particular, we will also check with you from time to time to make sure that you understand your current insurance policy and are getting the most out of it. Many health insurance companies provide a range of preventative services to help you, the insured, stay healthy and enjoy your life to the fullest. These services include online health monitoring programs, assigned nurse coaches for specific chronic conditions including heart disease, high blood pressure, diabetes and asthma.
Life insurance agents generally follow one of two paths: either they offer the client whatever kind of policy the client wants or they try to educate their clients so that they understand all the choices and make the best choice. The first path usually leads to the client buying an inadequate but cheap life insurance policy. The second path usually leads to the client walking away frustrated and unable to make a decision or simply going with the most expensive policy that generates the most commission for the agent. At AIS, our plan is to pursue a middle way between catering to the client and pushing the client into the richest plan. We strive to narrow your choices to what is most appropriate to your situation and to your level of comfort and budget. It is not a hard sell or a soft sell, but a consultation. Our job is to help you make a good decision and then to stay with you as your life develops so that we can adjust your insurance plan as needed. What is appropriate for a 25-year old single person may not be appropriate for a 35-year old parent. So as your life unfolds, we will be there to advise you and counsel you and help you look beyond the needs of today and plan for the future.
For small businesses, we also pursue a similar relationship – one of consultation. Many small businesses do not even have an agent but set up their plan on their own. Others, had an agent but have not seen or heard from that agent since it was set up some years ago. Meanwhile new and better plans have become available, and your group is stuck with an outdated plan. When you become a client of AIS, we will keep you abreast of changes in the industry and we will keep up with changes in your own company. Our goal is to make sure that your insurance plan matches your situation every step of the way. And if we can improve the efficiency of your group health plan by lowering premiums or increasing benefits or even by switching out old benefits for those that are more appropriate for your group, we will take every opportunity to do so.