Custom and cost - effective Health, Wealth and Life Insurance for your family.

Custom and cost - effective Health, Wealth and Life Insurance for your family.
Thomas and Debra met me in 2012 to discuss their family’s life insurance needs. They wanted to purchase a policy to protect their family from financial ruin when either one passed away. I recommended a policy that included Living Benefits.
They purchased a $750,000 policy, which included a Chronic Illness Benefit Rider, Critical Illness Accelerated Benefit Rider, and a Terminal Illness Accelerated Benefit Rider.
These riders are designed to help the policyholder get cash from the death benefit, if needed.
2016, Thomas started getting short of breath and kept going to numerous doctors. He was finally diagnosed with Toxic Mold Disease of the Lungs due to continuous mold exposure in his home. He was treated, but his condition kept getting worse. He was hospitalized and sent home with oxygen that had to be used 24 hours per day. I went to visit him at his home. He had a 100’ oxygen connection tube hooked to an oxygen concentrator in his bedroom. He was not able to get out of his chair to greet me.
2017, His condition became grave. The Doctors told him the only chance of survival would be to get a double lung transplant. He was put on the transplant list in Dec 2017.
In May 2018, he received the call that they had found his wish. He survived the surgery and spent 3 weeks in the hospital.
During all this time, he incurred thousands of dollars in expenses that his insurance did not cover, including moving to another home and living expenses. He was advised to start a GoFundMe Account.
He asked me if I could help him qualify for the Critical Illness Rider so he could get some funds to pay the expenses of moving to another home and being unable to work.
I contacted the insurance carrier and started the process for him to receive his benefit from his Critical Illness Rider. He received $200,000. They were so grateful to have purchased the life insurance policy with living benefits. Debra told me they had spent all their Savings and IRAs, and if they had not received the $200,000, they would have been homeless and on the streets.
Contact us today and find out more about Life Insurance with Living Benefits.
LIFE INSURANCE 101
My Passion is to help Protect My Clients and their Families from the two Biggest Financial Threats that everyone faces during their lifetimes. These threats are having a LONG-TERM INTERRUPTION TO THEIR INCOME STREAM due to Someone Dying Unexpectedly or Someone becomes Sick or Disabled and not able to work.
I have been asked WHY I place so much importance on having Life Insurance and Paycheck insurance and having the proper amount of coverage.
Today, I’ll cover the need for Life Insurance.
One Day, my Dad and my Mother went to his Doctor for a routine checkup. The doctor said to my father,
"Paul, you are in Great Shape for a 49-year-old man. Keep doing what you are doing."
That evening, my Dad dropped dead in our living room watching T.V. from a heart attack.
My mother became a widow at age 39. I was 9 years old.
I had two older brothers ages 12 & 14. Now all the burden of raising 3 boys was totally on my mother’s shoulders. She had to take on the roles of Mother and Father. There were discussions about my brothers and me being split up and going to live with our aunts and uncles. They lived 45 miles away from our home. Mom said, "Absolutely Not, I can, and I will raise my Boys by myself." And she did without any outside help. She never remarried until we were all graduated from High School.
My Dad had a $1,000 Term Life Insurance Policy from Woodmen of the World Life Insurance Society. The costs to bury my dad was much more than his life insurance death benefit.
My Mother had to borrow the remainder of the funeral expenses from her brother.
Peter and Sean started a Marketing Business 8 years ago. Each partner owned 50% of the business. Peter was 62 years old, and Sean was 48. During this time, the business grew to over $800,000 in revenue.
Peter had joined one of my networking groups. I met with Peter one day and discussed Buy-Sell Agreements. He mentioned that he did not have one. During the discussion, I asked him how he would pay Sean 50% of the business ($400,000) if he unexpectedly died or how long he would pay Sean’s salary if he could not work due to an illness or an accident. He said, “I never thought either of those things could happen.” I told him the pros and cons of not having an agreement.
I offered solutions to both scenarios:
I presented the quotes for Term Life Insurance and Paycheck Insurance.
Peter said, “It makes sense to protect our interest in the business, and he will notify me after speaking to Sean." “We will start with the Life Insurance and later look at the Disability Plan.”
Over the next few months, I called Peter to set a date to start the application process. They were busy and would get back to me later.
They never applied for Life Insurance or Disability Insurance.
Six months later, Peter came to me and told me that his partner, Sean, had had a massive heart attack and was not expected to live. He immediately went to the hospital. Sean’s wife met him at the door of Sean’s room. Peter asked to see Sean. The wife told him he could not see Sean until they went downstairs to the cafeteria, and he told her how he was going to pay her for Sean’s 50% of the business in case he died. Peter told her there was not enough money in the company to pay her, but he would somehow decide on a plan.
Fortunately, Sean did not die but was paralyzed on his right side, unable to work, and is living in a nursing home.
After a year of litigation, the company filed for bankruptcy.
At Westcare Insurance Services, we plan and handle your insurance needs down to the finest of details. Our team has decades of combined experience finding the right amount of insurance coverage to provide to your family's future needs. This helps you make a stress-free decision. We have the perfect insurance solutions to meet all of your family's financial needs.
Our team of experienced agents is dedicated to providing personalized service and finding the best insurance agency. We help you determine which agency has the right prices, the right product, and the best services so you don't have to do the hard work of making the choice on your own.
At Westcare Insurance Services, Inc., we believe that honesty, integrity, and transparency are essential in everything we do. We strive to build long-lasting relationships with our clients based on trust and mutual respect.
Westcare Insurance Services was founded on a deeply personal mission inspired by a childhood experience. At just nine years old, our founder's life changed forever when his father unexpectedly passed away. With only a $1,000 life insurance policy, the family struggled to cover funeral expenses. His mother had to borrow money from relatives and work extra shifts at the local hospital just to make ends meet.
To help ease the burden, he and his two older brothers began delivering newspapers at 4:30 AM every morning, seven days a week. After finishing their routes, they’d eat a quick breakfast, get ready, and head off to school, often too exhausted to focus in class. The family endured these hardships together, but the question always lingered: What if Dad had been better insured?
A more substantial life insurance policy could have changed everything. Bills would have been paid on time, family outings could have provided moments of joy, and his mother wouldn’t have had to sacrifice so much time with her children. This experience planted the seed for Westcare Insurance Services.
Today, our passion is to ensure families never face the kind of financial uncertainty ours did. We specialize in life and paycheck insurance, helping clients find the coverage they need to safeguard their futures. Our goal is simple: to give every family the peace of mind that comes from being prepared, so they can truly live “A Good Life for the Rest of Their Lives."
Agent
I have over 25 years' experience in the insurance profession specializing in assets protection by providing quality insurance products. I serve professionals and small business owners.
Agent
I started in the insurance business in 1995. I am very dedicated to helping our clients find the best possible insurance plans that fit their needs.
Bob's integrity and trustworthiness make doing business with him a pleasure. He is a trusted advisor, and I constantly refer friends and associates to him.
Bob is a knowledgeable and dedicated professional and I am very happy with his services. He places his clients first - an unusual characteristic in the business World. At Westcare Insurance Services, Inc., we believe in integrity, honesty, and transparency. We always put our clients' needs first and strive to build long-term relationships based on trust and mutual respect.
Bob is your man for all your Life Insurance Needs. He is extremely professional and reliable.
We love our customers, so feel free to visit during normal business hours.
4730 Lakeview Avenue, Yorba Linda, California 92886, United States
Open today | 09:00 am – 05:00 pm |
Please reach us at info@westcare1.com if you cannot find an answer to your question.
We offer a range of life insurance options including term life, whole life, and universal life insurance.
The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our agents can help you determine the appropriate amount of coverage.
Term life insurance provides coverage for a specified term, while whole life insurance provides coverage for your entire life and includes a savings component.
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