Life & Health Insurance, California

Coverage that fits where you are, not just what's on sale.

I help individuals and families in California understand their options for life, health, and Medicare coverage, and find a plan that actually matches their situation, no pressure, no jargon.

Starting out

First job, first apartment — building a health and life coverage foundation.

Growing a family

Protecting income and dependents as responsibilities grow.

Mid-career

Reviewing coverage gaps, employer benefits, and long-term planning.

Approaching 65

Navigating Medicare enrollment windows and supplemental options.

In retirement

Annual plan reviews as health needs and provider networks change.

Services

What I help you with

Every recommendation is based on your specific needs and budget. I'll always tell you which carriers and plans I'm appointed to represent.

01

Term & Whole Life Insurance

Comparing term and permanent life policies to fit your budget and the financial protection you want to leave behind.

02

Individual & Family Health Plans

Reviewing marketplace and off-exchange health insurance options for those without employer coverage.

03

Medicare Advantage

Explaining how Medicare Advantage plans work alongside Original Medicare, including network and cost differences.

04

Medicare Supplement (Medigap)

Helping you understand standardized Medigap plans and how they fill gaps left by Original Medicare.

05

Part D Prescription Plans

Reviewing your medications against available Part D plans to help manage out-of-pocket drug costs.

06

Annual Plan Reviews

Checking your coverage each year during enrollment periods to flag changes in cost, network, or formulary.

07

Covered California

Helping you apply through Covered California, check subsidy eligibility, and compare marketplace plan options.

08

IHSS Guidance

Helping you understand and navigate the In-Home Supportive Services (IHSS) application process.

09

SSA / SSI Assistance

Guidance on Social Security Administration benefits and Supplemental Security Income (SSI) applications.

10

Dental, Vision & Hearing

Comparing standalone and supplemental dental, vision, and hearing coverage options.

11

Citizenship & Passport Assistance

Helping clients navigate citizenship paperwork and passport application processes.

Process

How working together actually goes

No quotes pulled from a database without context. We talk first.

1

A conversation about your situation

We talk through your health needs, budget, and what you're trying to protect against — no application, no commitment.

2

Plan comparison, explained plainly

I walk you through the relevant options from the carriers I'm appointed with, including costs, coverage limits, and trade-offs.

3

You decide, on your timeline

No pressure to enroll on the spot. Take the comparison home, ask questions, decide when you're ready.

4

Ongoing support after enrollment

I'm available for questions about claims, renewals, or changes to your coverage after you're enrolled — not just before.

Have a question about your coverage options?

Reach out and I'll get back to you to schedule a time to talk — no obligation to enroll in anything.

Contact Me
Contact

Get in touch

Fill in your basic contact info below. I'll reach out — please don't include health or financial details in this form.

Email: wcheung0113@gmail.com
Phone: (415) 290-5057