SERVICES

Health Insurance

Individual Health Insurance

Don’t have employer-sponsored health plans? No problem, we’ve got you covered. We will explain the different options available for your needs so we can help you protect what is most important.

The majority of individual health insurance will be provided through Covered California. This is the state-run health insurance marketplace that was established as part of the Affordable Care Act (ACA, or Obamacare). The marketplace offers subsidies and tax credits to offset your premiums so you can afford quality healthcare coverage.

Not looking to utilize Covered California? We provide direct health insurance and work with all major carriers.

Insurers have a great interest in ensuring you stay healthy. They will often pay the costs of preventive healthcare, such as annual checkups, screenings, and vaccines.

We will walk you through:

  • The deductible

  • Co-payments

  • Annual limits

  • Medical services, treatments and drugs the policy covers

Medicare

Medicare is a federal health insurance program established by the United States government that provides essential healthcare coverage primarily for those 65 years and older. Certain younger individuals with disabilities or specific medical conditions may also qualify. Medicare provides invaluable support but may not cover all healthcare costs, and some may opt for supplemental insurance (Medigap). We can help you find the best coverage to protect what is most important.

Medicare offers Part A, Part B, Part C, and Part D.

  • Part A covers inpatient hospital care, skilled nursing facilities, and some healthcare services.

  • Part B covers doctor visits, outpatient services, and preventive care.

  • Part C, known as Medicare Advantage, offers Medicare benefits through private insurance plans and includes Parts A, B, and D.

  • Part D provides prescription drug coverage.

Life Insurance

Life insurance offers financial security to help you protect what is most important. It assists dependents, such as children and spouses, by covering living costs and education when you can no longer provide. It can help settle outstanding debts, like mortgages and loans, to prevent your loved ones from inheriting those burdens. Funeral expenses are also covered in the policy you choose. Obtain coverage when you're young and healthy to secure the lowest premium possible, giving you peace of mind that you are protecting what is most important.

A life insurance death benefit is generally paid quickly and is tax-free.

Choose from individual life insurance, final expense life insurance, and/or annuities.

Auto Insurance

Your vehicle is a valuable investment; let us help you protect it at an affordable price. Whether it is a car, truck, or motorcycle, insurance will protect you against financial losses and the inconvenience of being without transportation.

Not all car insurance policies are created equal, so let us help you find the right one for you.

Here are options that may be available to you:

  • Medical coverage

  • Protection if your vehicle is stolen, damaged, or destroyed by fire

  • Coverage for damage in a car accident that does not involve other vehicles

  • Protection against damage caused by an uninsured driver

Home Insurance

Your biggest and most expensive asset is important to protect. Let us help you get the highest level of protection at the right price. Many kinds of damage can happen to a home: natural disasters, fire, water damage, robbery, vandalism, and many others.

Here are some examples of what to look for in a policy:

  • Will my possessions be replaced?

  • How long will it take to access funds?

  • How much is my out-of-pocket deductible?

  • What happens if someone is hurt on my property?

  • Is medical coverage included?

Not going to be living in your home? Do you have multiple properties? Will you be renting one or more to others? We have you covered with rental property insurance. You worked hard for this investment; let us help you protect it. Regular homeowner insurance may not cover rental properties, as there are limits to how long you can rent a home. That's why rental property insurance is offered. We will help customize your rental insurance for each property so that it meets its specific needs and avoids risk.

Considering purchasing a home but not quite there yet? Don’t worry, we also offer renter’s insurance. Whether it is a house, apartment, or any other dwelling, we have what you are looking for. Renter’s insurance will protect you and your valuable possessions inside the home in case of damage. Do not rely on your landlord’s property insurance, as it covers the property itself and structural damages, not the possessions of the renter.

Travel Insurance

Planning a trip out of the country? Get travel insurance to protect you and/or your family members. Various unexpected events can occur, so let us help you be prepared.

Whether you are going for a short term or long term, any amount of travel insurance is beneficial for peace of mind.

What does travel insurance cover? We will help customize your policy, but here is a list of what can be covered:

  • Trip cancellation

  • Trip delay protection

  • Baggage replacement

  • Rental car insurance

  • Medical care

  • Medical transportation

  • Travel assistance hotline

  • Business equipment

Business Insurance

Your business is an investment in your future. To protect the financial health of your business and personal assets, we will help you customize a policy tailored to your unique business.

Here are some essential coverage to have for your business:

  • Business Interruption

  • Business Owner’s Policy

  • Commercial Auto

  • Commercial Earthquake

  • Contractor’s General Liability

  • Cyber Liability

  • General Liability

  • Medical Malpractice

  • Professional Liability (Errors & Omissions)

  • Workers’ Compensation

and many more.

Retirement Planning

We will help you achieve significant tax savings with the right retirement plan. There are multiple options depending on your employment type—whether you are an employee, independent contractor, or business owner.

At Lucky Stars Financial, we offer annuities as a key component of retirement planning. An annuity provides a guaranteed income stream, typically purchased by retirees. You can fund an annuity through lump-sum or periodic payments. Annuities offer flexibility and can be structured in various ways, including immediate or deferred, and as fixed, variable, or indexed options.

These retirement plans fall under the category of annuities:

  • Traditional IRA: Allows you to contribute pre-tax funds, offering tax advantages as your investments grow.

  • Roth IRA: Contributions are made post-tax, with the funds growing tax-free over time. Withdrawals in retirement are also tax-free.

  • SEP IRA: A Simplified Employee Pension plan for employers or self-employed individuals. Only the employer makes contributions.

  • SIMPLE IRA: Designed for employees, with both employers and employees contributing. It has lower contribution limits than other retirement plans.

Umbrella Insurance

Want more protection? We offer Umbrella Insurance!

Umbrella insurance picks up where your standard liability coverage stops. Unexpected events happen, and while we do not want any accidents to occur, keep yourself and your business even more protected.

This is an affordable extra coverage against bodily injury and/or property damage