Insurance that actually fits your Los Angeles life.
Medicare, group health, life, retirement, and family coverage — compared across 20+ carriers, explained plainly, and set up in days, not weeks. No fees. No pressure. Just answers.
Personal insurance guidance, built for how Angelenos actually live.
Rick Bruner is an independent insurance broker based in Los Angeles. That means he doesn't work for a carrier — he works for you. Whether you're turning 65 in Culver City, opening a shop in DTLA, or re-shopping your family plan in the Valley, you get honest side-by-side comparisons and a broker who picks up the phone.
One conversation. All the options. No sales script.
Full-spectrum coverage. One trusted advisor.
Turning 65, comparing Advantage vs. Medigap, or already enrolled — clarity in one call.
Employer coverage for LA small and large teams — carriers compared, renewals handled.
Term, whole life, annuities, and retirement income strategies built around your family.
Covered California, off-exchange, PPO/HMO — the right plan for how you actually see doctors.
Protect your income and your future care — before you need it, while premiums are lowest.
Standalone dental, vision, and health coverage — with or without your major medical plan.
Captive agents show you one shelf. Rick shows you the whole store.
Every quote is shopped across major California carriers — not filtered through one company's product lineup.
Broker services are paid by the carrier at no extra cost to you. You pay the same premium either way — just with expert guidance.
Enrollment, renewals, claim questions, life changes — one person who already knows your file.
Built for California. Written by someone who lives here.
California insurance is its own world — Covered California enrollment windows, Medicare Advantage plans that vary by ZIP, state-specific Medigap rules, and small-group thresholds that shift year to year. Getting it wrong costs money. Getting it right takes a broker who works these plans every day.
Rick serves clients from Santa Monica and the Westside to Silver Lake, Pasadena, the San Fernando Valley, DTLA, South Bay, and beyond. If you live or work in Los Angeles County, he knows the carrier networks, provider access, and California-specific rules that will actually affect your coverage.
A broker Angelenos call back — and refer.
"Rick walked me through Medicare Advantage vs. Medigap in an afternoon. I finally understood what I was signing. Ended up saving about $70 a month."
"We're a 14-person studio in DTLA. He rebuilt our group plan, kept our top talent's doctors in-network, and cut our renewal by 11%."
"I'm a freelancer in Silver Lake and Covered California was confusing. Rick found me a real PPO for less than I was paying. Zero pressure."
Let's find you the right plan — this week.
A 15-minute call is often enough to know if you're overpaying or underinsured. Rick answers his own phone.