Insurance

You can get quotes or enroll on this link.  Additionally we can meet and discuss your insurance needs. Please contact us for more details.

Health Insurance

Knight & Associates provides insurance services. We help you select life, health, disability, and long term care plans for individuals and group participants. We are also certified insurance agents who are contracted  with the state to offer health insurance through the Small Business  Options Health Program. Covered California is the name of the marketplace for California  in the SHOP exchange program. Because of the Patient Protection and Affordable Care Act (ACA), the exchange enables individuals and small businesses to purchase health insurance at federally subsidized rates.

 

Life Insurance as an Investment

The IRS requires that a retirement plan be established for the purpose of providing future retirement income, rather than current benefits.  Life insurance is a product that is designed to provide a future benefit.  Additionally, the IRS allows insurance to be used inside a  retirement plan as long as it is use incidental to the purpose of the plan. Used as a funding vehicle it is an efficient product because it has a non-taxable death benefit, and tax deferral. It is a long term asset that will outlive you when funded correctly.  Talk to your life agent and get the facts on using life insurance as a retirement asset or substitute retirement plan.