The Rose Group Insurance Services
The Rose Group Insurance Services
California Licensed Life, Health & Property & Casualty Insurance Agent
Helping individuals and families protect what matters most with clarity, care, and trust.
By providing personalized insurance guidance across Life, Health, Property & Casualty, and Income Protection.
Why Clients Choose The Rose Group• California licensed in Life, Health & P&C
• Independent carrier access
• Personalized guidance
• Confidential consultations
• Clear explanations without pressure
I am a California-licensed Life & Health Insurance agent providing guidance on individual and family coverage options. My goal is to help clients understand their choices and make informed decisions based on their personal needs and circumstances.
Life InsuranceI provide guidance on life insurance options to help individuals and families plan for financial protection and long-term security.Policy types may include:
• Term Life Insurance
• Whole Life Insurance
• Universal Life Insurance
• Final Expense
Designed for:
• Individuals
• Families
• Business planning
Health Insurance
I assist with individual and family health insurance options to help clients understand available coverage based on eligibility and personal needs.Plan types may include:
• Individual & Family Plans
• Marketplace Plans
• Private Health Plans
• Short-Term Medical
Designed for:
• Individuals
• Families
• Self-employed
Medicare & Supplemental
I provide educational guidance on Medicare and supplemental insurance options to help clients understand available choices as they approach eligibility.Coverage types may include:
• Medicare Advantage (Part C)
• Medicare Supplement (Medigap)
• Prescription Drug Plans (Part D)
• Hospital Indemnity
Designed for:
• Individuals 65+
• Disability-based eligibility
Disability & Income ProtectionI provide guidance on disability and income protection insurance options designed to help individuals protect their income in the event of illness, injury, or inability to work.
My goal is to help clients understand available coverage options based on their profession, income, and personal circumstances.Coverage types may include:
• Individual Disability Insurance
• Short-Term Disability
• Long-Term Disability
• Supplemental Disability Policies
• Income Replacement Coverage
Designed for:
• Professionals
• Self-employed individuals
• Business owners
• Individuals seeking income protection
Auto Insurance:I provide guidance on personal auto insurance coverage options based on your individual needs and circumstances.
My goal is to help you understand available coverages so you can make informed decisions regarding your policy.Coverage types may include:
• Personal Auto
• Liability Coverage
• Collision Coverage
• Comprehensive Coverage
• Uninsured / Underinsured Motorist
Available for:
• Personal vehicles
• Leased or financed vehicles
Home & Renters Insurance:I assist with homeowners and renters insurance options designed to help protect your property and personal belongings. Coverage availability and eligibility vary by carrier and location.Coverage types may include:
• Homeowners Insurance
• Renters Insurance
• Condo Insurance
• Dwelling Fire Policies
Designed for:
• Primary residences
• Rental properties
• Condominiums
Business Insurance:I provide guidance on small business insurance solutions based on your operations, industry, and risk profile.Coverage types may include:
• General Liability
• Business Owner Policies (BOP)
• Commercial Property
• Professional Liability
• Workers’ Compensation (referral when required)
Designed for:
• Independent contractors
• Small business owners
• Service-based businesses
The Client Resources:
This section is designed to provide general educational information and helpful tools for individuals and families exploring insurance options.For personalized guidance, please schedule a consultation.
New Client Guide
Welcome to The Rose Group Insurance Services. This guide provides general information about the consultation process, what to expect, and how to prepare for your appointment.What happens during a consultation:
During your consultation, we’ll review your current situation, discuss your goals, and explore general coverage options that may fit your needs. There is no obligation to purchase.Information to have ready:
It’s helpful to have basic information such as your age, household size, current coverage (if any), and general financial or protection goals.Understanding your coverage goals:
Everyone’s needs are different. Some clients focus on family protection, others on income protection, property coverage, or business planning.Confidentiality & privacy:
All information shared during consultations is kept confidential and used only for insurance guidance and service purposes.
COVERAGE BASICSLife Insurance:What is life insurance?Life insurance is designed to provide financial support to beneficiaries in the event of a policyholder’s passing.
Term vs permanent life insurance
Term life provides coverage for a specific period, while permanent life policies may offer long-term protection with additional features.Who may benefit
Individuals with dependents, financial obligations, or long-term planning goals often consider life insurance as part of their protection strategy.Health Insurance:Individual vs family plans
Individual plans cover one person, while family plans extend coverage to spouses and dependents.Marketplace vs private plans:
Marketplace plans are offered through state or federal exchanges, while private plans are offered directly through carriers or brokers.Understanding deductibles and copays:
A deductible is the amount paid before coverage begins. Copays are fixed amounts paid for certain services.Auto Insurance:
Liability vs full coverage
Liability covers damage to others, while full coverage generally includes both liability and physical damage protection.Comprehensive and collision
Collision covers vehicle damage from accidents, while comprehensive covers non-collision events such as theft or weather damage.When to review your policy:
Policies should be reviewed after major life events, vehicle changes, or relocations.Home & Renters Insurance:What homeowners insurance typically covers
Homeowners insurance may help protect the structure of the home, personal belongings, and liability exposures.Renters insurance basics
Renters insurance is designed to protect personal property and provide liability coverage for tenants.
Condo vs homeowners policies
Condo policies differ from homeowners policies based on shared ownership and association coverage.Business Insurance:General liability basics
General liability insurance is designed to help protect businesses from certain third-party claims.Business owner policies (BOP)
A BOP often combines property and liability coverage into one policy.When businesses need coverage
Many businesses consider insurance when operating with customers, property, employees, or contractual requirements.Disability & Income Protection:What is disability insurance?
Disability insurance is designed to help provide income support if an illness or injury limits your ability to work.Short-term vs long-term disability
Short-term coverage generally applies for temporary conditions, while long-term coverage may apply for extended periods.Who should consider income protection
Professionals, business owners, and individuals who rely on earned income often explore income protection options.
Claims & Policy SupportHow to report a claim:
Claims are typically reported directly to the insurance carrier using their designated claims department or online portal.What information is usually needed:
Policy number, date of loss, description of the event, and relevant documentation are commonly required.Understanding the claims process:
After a claim is filed, the carrier reviews the information, may assign an adjuster, and determines coverage based on the policy.Policy updates:
Clients may request updates for address changes, vehicles, property, beneficiaries, or coverage reviews at any time.Annual policy reviews:
Many clients choose to review their coverage annually or after major life changes to ensure it still aligns with their needs.