Retirement Planning - According to a recent poll, 74% of the U.S. workign population is worried about their ability to pay for retirement, and 46% say they cannot affort to save for retirement because they are living paycheck by paycheck. Many of them are losing sleep over it. Where are you? Are you saving enough? How much do you need to save? Give us a call today to discuss your specific situation.

Long Term Care Insurance - There are different solutions to different needs. For dignity or asset preservation, we have solutions for you.

Annuities - An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments. 

Life Insurance - Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out – or for someone who's starting over.

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Other Products - Other products, such as Disability Income Insurance, Individual and Group Health Insurance products. More info please see our Health Insurance pages

​You can use the articles on this page to learn more about the various types of life insurance that are available.

  • Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.   
  • Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.    
  • Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.    
  • Survivorship Life - Survivorship life insurance – available as whole life, universal life or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

With the variety of insurance and financial products we provide, we can help you meet practically all of your business and personal financial needs. We are licensed or certified in the following lines of insurance and financial products: Life, health, disability, long term care, Medicare, Covered CA, business liability, worker's compensation, etc. Please review our full range of products and contact us.

 ​​​​​​​​​​ Shine Wellness Insurance & Financial Services

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.
You can use the articles below to help you learn more about which annuity might be right for you.

  • Fixed Interest Deferred Annuities - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.

  • Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life.
  • Lifetime Income Annuities - An income annuity where income payments begin immediately - one period after the annuity is purchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.