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Key Facts...

In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family?

Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).

Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you.

Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).

Long term care can be expensive. According to the newly released survey by Genworth Financial Services for 2008 the average annual rate for a private nursing home room in San Jose , California is $89,973 – up 17% since 2004. The demand and cost for in-home care are also on the rise. And, we face an impending caregiver shortage that could drive costs even higher in the near future.

Most Americans are unprepared. Learn about expected costs and make sure long term care is part of your overall retirement plan.

Services

TLF Insurance Services is very different from other agencies which claim to provide financial services. We are a “one stop shop” and provide services in not just one or a few focused areas of expertise but rather in many areas of business and individual financial products.

Below is a short list of some of the services we offer. Please read our numerous articles explaining the purposes and benefits of these products.

Individual and Group Services

Medical Benefits
Dental Plans
Vision Plans
Long Term Disability
Short Term Disability
Long Term Care
Life/AD&D
Voluntary Plans
Health Savings Accounts
Health Reimbursement Accounts
Medicare Supplements
Foreign Travel Coverage
Retirement Options
Annuities (tax advantaged)
125 Plans
College Funding Counseling

Additionally, we evaluate and compare and contrast your current plan designs and provide you with “out of the box” options which are cost savings in financial services and college planning. We do not provide basic ‘vanilla’ alternatives as the first choice option for you.

We give our clients efficient and seamless customer service. With this goal in mind, we have dedicated operations team that supports our technical functions.

In order to provide high quality service to our clients, we only serve the central coast area of California. Headquartered in Hollister, we can easily provided service to our clients within one to two hours reach.

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