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Global_Travel_Health_InsuranceGroup_Health_InsuranceShort Term Health InsuranceMedicare Health PlansLife InsuranceRetirement Savings PlansCollege Planning FundingLong-Term Care InsuranceDisability InsuranceFuneral Expenses Legacy PlanningHealth Insurance Terms GlossaryFrequently Asked Questions

Our objective is to provide you with excellent benefits at the lowest cost. We have information and free quote links for the best health, life, and safe retirement savings plans offered by the top-rated insurance companies. The “Better Value Approach”, described below, is a terrific combination of plans that gives you health care with critical illness and accident coverage, while reducing your out-of-pocket expense to near $0.00 Call us if you need any assistance. (800) 595-0215

Individual Health Insurance and Family Health Insurance

Better Value Approach to Health Insurance

This approach provides the best overall coverage and lowest cost. It combines a low-cost major medical plan with a Health Savings Account and accidental injury and critical illness supplements that saves 30–50% on premiums and reduces your out-of-pocket cost for major health events to near zero.

Accidental Injury Insurance

Accidental injury is the most frequent claim of active adults and children. Cuts your health insurance out-of-pocket cost to near zero. Includes air ambulance, Accidental Death Dismemberment, and more.

Critical Illness Insurance

Covers the out-of-pocket maximum of your health insurance, provides treatment at an out-of network facility, and money to live on while recovering; typically a year.

California Dental Network

AA low-cost dental plan with excellent benefits and a large dentist network. Click here to see plan options and for a free quote.

Dental Insurance

Stand-alone plans by major health insurance companies.

Global Travel Health Insurance

Provides health coverage abroad including access to English speaking doctors pharmacy, transportation home, trip cancellation and lost baggage. Network providers are guaranteed payment so you get immediate care and no delay of leaving for home.

Group Health Insurance

Our goal is to provide Small Businesses that have from 2-50 employees with economical solutions to combat the ever-rising cost of health insurance and other benefits

Short Term Health Plans

For individuals who are in lifetime transitions such as divorce, between jobs, work leave, waiting for employer plan to begin, or while a traditional plan application is pending approval. Alternately apply for any individual plan and drop it when no longer needed without penalty.

Medicare Health Plans

  • Medicare Supplement (MediGap) Insurance Plans – Quotes by all companies.

  • Anthem Blue Cross has excellent plans and member services for Medicare Supplements, Medicare Advantage, HMO plans, and a PPO Part D prescription plan. Anthem is the only company offering a Medicare Advantage PPO with monthly premiums from $0 in Los Angeles County and $40 in Orange County.

  • Anthem “Senior Extras” package Dental, Vision & Silver Sneakers Gym membership:

Life Insurance

We work with only the very best rated life insurance companies and compare plans for you to get the coverage you want at the lowest cost. None has ever defaulted on a claim.
  • How much Life Insurance do you need? Use this form to make an estimate. Call (800) 595-0215 for expert help.

  • How Life with Living Benefits is a low cost, best buy of term life insurance plus critical illness, long-term care and disability coverage. You don’t have to die to use it!

  • Life Insurance Explained – Click here for more information about life insurance.

Retirement Savings Plans

Safe Plans for Individuals & Small Businesses. When working with our retirement money, we need to keep it safe while making sure it gives us the potential growth we need for the future. Tax advantaged plans wherein the principal is guaranteed against loss including fixed indexed universal life insurance and fixed annuities accomplish that goal.

College Planning & Funding

The best college planning, test prep, admissions assistance, and funding tool on the market: the Smart Track™ Toolkit.
Take a Video TOUR. Costs a lot less than hiring a $2,500 consultant and we can help you reduce your Expected Financial Contribution to maximize your financial aid dollars.
Click here for more information, and use Promo Code EK0215 for a $250 discount.

Long-Term Care Insurance

We represent you to virtually all of the best companies offering long term care (LTC) and help you choose the most appropriate plan in terms of cost and coverage. Depending on your financial resources, there are more economical options you may chose rather than a traditional LTC policy.
Click here for a complete discussion and call (800) 595-0215 for more information.

Disability Insurance

Contact us for help to assess your potential income replacement needs while you are still healthy. Click here to estimate your income needs and for more information.

Funeral Final Expenses Legacy Planning

An average funeral cost is $10,000. This is a plan that you can fund now with money you were planning to leave to your heirs anyway. Unlike costly final expense life insurance where you pay premiums, you transfer money to an account that accrues interest.

Health Insurance Terms Glossary

Health insurance terminology defined.

Frequently Asked Questions

Coming soon.


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Health & Life Plans 4 Less | California Health Insurance, Life Insurance, Group Health Insurance, Retirement Plans, Medical Insurance, Individual Health Insurance, Health Plans, Retirement Plans, Best Health Insurance, Healthy Families,

Family Health Insurance, Blue Cross, Insurance Quotes, Blue Shield of CA, Orange County Health Insurance, Orange County CA, Long Beach, Anaheim, Rossmoor, Hawaiian Gardens, Cypress, La Palma, Cerritos, Artesia, Stanton, Seal Beach,

Westminster, Norwalk, Lakewood, Signal Hill, Bellflower, Buena Park, California | 2672 Tucker Lane, Los Alamitos CA 90720 | (562) 596-0215 or Toll Free, (800) 595-0215 | Email: