Long-Term Care & Disability Insurance in LA.
Protect your paycheck today and your assets tomorrow. Rick designs long-term care and disability coverage that fits your budget now — while premiums are still low.
Every option, one advisor.
As an independent broker in Los Angeles, Rick shops 20+ carriers so you see the full field — not a single company's shelf. That means honest recommendations built around your budget, providers, and family.
- Traditional long-term care insurance
- Hybrid life/LTC insurance policies
- Home care & assisted living coverage
- Skilled nursing facility coverage
- Individual disability income insurance
- Business overhead disability
- Group disability supplements
- Underwriting strategy across carriers
If any of this sounds familiar, you're in the right place.
This is the window when premiums are affordable and approval odds are strong. Every year of waiting adds cost.
For professionals and business owners in LA, one injury can wipe out years of earnings. Disability insurance is the safety net most people forget.
It's the most common trigger for LA clients buying LTC — and the most preventable regret in personal finance.
High earners in LA often discover their group LTD tops out well below their real income. Individual policies fix that.
Get a straight answer today.
A 15-minute call is often all it takes to know if you're overpaying or underinsured.
The difference an independent LA broker makes.
Underwriting varies wildly. Rick knows which carriers say yes to what — and submits accordingly.
You'll understand the real trade-off between premium, benefit, and 'what happens if I never need it.'
Individual disability policies you own outlast any employer — critical for LA's contract and creative economies.
LTC, disability, and life work together — not as separate products bought at different times from different agents.
Simple, personal, and free.
What income, care needs, and assets are we protecting? What's your family history telling us?
Rick models premiums across carriers and structures — traditional vs. hybrid, benefit periods, inflation options.
He handles submissions strategically to maximize approval odds and pricing class.
Frequently asked questions
Explore related services in Los Angeles.
Turning 65, comparing Advantage vs. Medigap, or already enrolled — clarity in one call.
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.
Lock in coverage now — before your rates go up.
Every year of delay costs money. A free consultation takes 15 minutes and could save six figures.