Monthly Archives

January 2018

Home Sweet Home Insurance – The Volz-Fleischer Family

By | Blog, Success Story

Please join us in welcoming our newest clients, The Volz-Fleischer Family. After a thorough gap analysis on their current and recommended insurance limits, we were able to increase their coverage, strategically consolidate their carriers, and offer them substantial savings. Glendora Homeowner InsuranceDamon Volz-Fleischer, is an entrepreneur and small business owner ranking amongst the top licensed contractors in Southern California. His business, DT Stainless, specializes in commercial stainless steel services and repair. His wife, Tracy, is a hardworking mother of two and an emergency dispatcher for the local police department. We thank Tracy for her public service, as dispatchers are an integral part of the organization’s success. We appreciate both their work and dedication to the community. Glendora Homeowner InsuranceThe products, services, and benefits provided include:

  • Homeowners Insurance – 30% Increase in Limits
  • Auto Insurance – 10% Savings
  • Risk Management
  • Carrier Consolidation
  • Multi-line Discounts – 25% Savings
  • Policy Management & Consolidation

Thank you to The Volz-Fleischer Family for their trust and business. We value them as clients and great people!

We helped them and can help you too!

To learn more about how you can save on insurance while increasing your coverage, please contact OAK Insurance Solutions.
CALL) 626.775.7850
TEXT) 626.818.8987
EMAIL ME HERE

Call Us & Find Out How Much You Can Save in Insurance!

(626) 775-7850

Insurance As Good As Gould

By | Blog, Success Story

We’d like to welcome our newest clients, the Gould Family.  It has been our pleasure to increase their coverage, consolidate their carriers, and offer them substantial savings. And as always…we helped them and we can help you too!
Glendora InsuranceMeet Trevor Gould. Business Development and Sales professional, Trevor is responsible for all new commercial paving and sealing projects. As many of us know, new business sales is hard work! Therefore, we can appreciate his resilience and successes. Similarly, his wife, Candice, not only is a store manager for Lululemon, but she is a new mother to their beautiful little girl, Chandler. Being a Mom is a job in itself and we commend you and all working Moms.
Glendora InsurnaceOur success with the Gould Family began with a gap analysis on their current and recommended limits of insurance. Through this we recognized areas where increase in coverage was necessary, strategies to consolidate carriers, and put together an updated portfolio with significant savings. The products, services, and benefits to our review include the following:

  • Homeowners Insurance – 30% Increase in Limits
  • Auto Insurance – 30% Increase in Limits
  • Risk Management
  • Carrier Consolidation
  • Multi-line Discounts – 25% Savings
  • Policy Management & Consolidation

Thank you to The Gould Family for their trust and business. We value them as clients and great people!

To learn more about how you can save on insurance while increasing your coverage, please contact OAK Insurance Solutions.
CALL) 626.775.7850
TEXT) 626.818.8987
EMAIL ME HERE

Call Us & Find Out How Much You Can Save in Insurance!

(626) 775-7850

Enriching Arcadia Montessori School’s Insurance Portfolio

By | Blog, Success Story

Since 1963, Arcadia Montessori School has been providing a warm, nurturing, safe, and guiding environment for children to reach their fullest potential. For that reason, we are proud to introduce them as our newest client and share our story about helping them reduce risk and save on property, casualty, workers compensation, and excess liability insurance.With 54 years of educational experience, Arcadia Montessori School is the oldest and most prestigious Montessori Preschool in the San Gabriel Valley, helping over 5,000 children flourish. Providing programs for children ages 2 through 6 year old in Arcadia, California (and surrounding), each child is encouraged to learn and explore their interests through a prepared environment.
Arcadia Insurance
Although providing much value for the community, as an educator, they face more risks than ever before. Additionally, with evolving educational methods, Arcadia Montessori School, and other educational facilities, are presented with new challenges.

However, educators can rest assured that OAK Insurance Solutions is here to help educational institutions reduce risks and prevail through crises and unexpected events.

We were able to place Arcadia Montessori School with A rated carriers across all lines of insurance: Property, Casualty, Workers Compensation, as well as Excess Liability Insurance and benefit them with:

  • Business Owner Policy – Property & Casualty – 5% Reduction in Renewal Premium
  • Workers Compensation – 20% Savings
  • Excess Liability – 200% Increase in Liability Coverage
  • Risk Management Solutions
  • Policy Management & Consolidation

Arcadia Montessori School’s owner and director, Cheryl Roberts, kindly describes:
As a small business owner with limited resources, I rely heavily on Michael’s product knowledge and business insurance counsel. Michael and his staff handle all of my business insurance requirements: Property, Casualty, Excess Liability and Workers Compensation. The highest level of customer service mixed with their rare ability to connect with clients on a personal level make it easy to recommend OAK Insurance Solutions to ALL family, friends, coworkers and other business owners.

We helped them and we can help you too!

 

Learn more about Arcadia Montessori School’s Curriculum and Owner/Director, Cheryl Roberts:

The Montessori Curriculum

Practical life activities are designed to teach the child how to deal with the real-world environment. Activities such as pouring, cutting and pasting, tying shoes, etc. also help the child with a sense of order, coordination, independence and concentration.

Sensorial exercises deal with the development of the five senses. This helps the child learn to observe differences and similarities, to make comparisons between object. To form judgements, to reason and decide.

Language exercises train the child to focus on sounds of letters and words. The first introduction is sandpaper letters; the child traces the letter and repeats the sound. These skills grow into reading and writing activities.

Mathematics begin with numeration, the decimal system and geometry. This area of the classroom starts with concrete material and gradually moves toward abstraction. As with all other parts of the environment, each child works at his own pace as the concepts are understood and mastered.

Cultural activities incorporate everything not listed above. In a Montessori classroom these will include geography, science, history, art, music and movement.

Cheryl Roberts, Owner & Director or Arcadia Montessori School

Mrs. Roberts has worked at the school since 1976 and holds over 40 years of experience along with a degree in Speech Pathology from California State University, Los Angeles.

Arcadia Montessori School Contact Info
1406 S. Santa Anita Avenue
Arcadia, CA 91006
Phone: 626-447-3513
Fax: 626-447-3515
E-mail: arcadiamontessorischool@yahoo.com
Website: http://www.arcadiamontessorischool.com/

To learn more about how you can save on insurance while increasing your coverage, please contact OAK Insurance Solutions.
CALL) 626.775.7850
TEXT) 626.818.8987
EMAIL ME HERE

Call Us & Find Out How Much You Can Save in Insurance!

(626) 775-7850

What Insurance Newlyweds Should Consider

By | Blog

It can be both exciting and stressful for newlyweds to merge their lives together. Once married, you tend to move in together, share finances, share debts, change last names, and transition from single life to a partnership. However, one of the most important actions newlyweds must take is updating their insurance policies. Besides health, once you’re married, you should review your auto, homeowners, and life insurance policies to ensure it’s taking into consideration your new marriage and providing adequate coverage. For instance…

Car Insurance

Did you know once you’re married your car insurance rates can drop? In fact, one study by InsuranceQuotes.com concludes that a married 20 year old may pay 21% less than a single 20 year old. While this difference can be due to a number of factors, the general reason is that married drivers are considered less risky compared to their single counterparts, therefore allowing for cheaper rates. Additionally, as a married couple, you may receive multicar discounts. For a full list of available discounts and how to maximize your coverage while minimizing your car insurance costs as newlyweds, contact OAK Insurance Solutions.

Homeowners and Renters Insurance

If you’ve been living separately, then most likely you and your spouse have been paying for separate home or renters insurance. However, now that you are living together under one roof, one of you will need to cancel your coverage. While the policy you keep should cover both of you, you must still notify your insurer about the marriage so they can list your spouse on the policy. Additionally, you may select to increase your coverage limits because you are combining your belongings once married (i.e. furniture and electronics) and adding high-value items (i.e. wedding rings). To review your current policies and decipher what’s the best coverage for you and your spouse, again…contact OAK Insurance Solutions.

Life Insurance

Once you’re married, you’re officially sharing your life with someone else. Although you may not have thought about life insurance while single, life insurance as a married couple is a must. If you or your spouse die, life insurance can help replace the lost income, pay off debts and expenses (i.e. funeral and burial costs), provide an inheritance, add financial security, and maintain a particular lifestyle. According to one study, “91% of widows lose everything in the first twelve months after their husband’s death…Houses, cars, education for kids, their entire lifestyle is forced to change.” However, this doesn’t have to be the case. Life insurance can prevent such loss and provide peace of mind that although one is gone, they can continue to help take care of their loved ones. To learn more about why Life Insurance is a must, visit “5 Reasons You Need Life Insurance from OAK Insurance Solutions.”

To sum it up, when you get married, you begin sharing a life with your loved one. Your money may be their money and their money may be yours. Similarly, since we live in California, a community property state, your debt may be their debt and their debt may be yours. In other words, if one dies, you can potentially be struck with a mountain of debt and less income to cover it. For that alone, life insurance is a must. Additionally, your need for protective coverage may increase. You may need to protect two drivers, two vehicles, additional belongings, a bigger home, etc… Therefore, you must maximize your coverage as a couple while minimizing your costs. Here at OAK Insurance Solutions we can help you with that. We can review your current insurance policies, identify your coverage needs and any consequent gaps since getting married, as well as maximize policy discounts to keep costs low. For an insurance quote, contact us today.

CALL) 626.775.7850
TEXT) 626.818.8987
EMAIL ME HERE

Michael Martinez

Call Us & Find Out How Much You Can Save in Insurance!

(626) 775-7850

The Verdict Is In: The Napolin Family Has Increased Their Insurance Savings and Coverages

By | Blog, Success Story

Allow us this opportunity to introduce our newest clients, The Napolin Family. In working with them, we were able to offer increases in coverage while consolidating carriers and offering substantial savings.
Meet Alex, owner and partner of The Napolin Law Firm. Alex has quickly positioned himself as the leading personal injury attorney in all of Southern California.
Meet his wife, Jenna, who dedicated three years to the Downtown Women’s Center addressing poverty and homelessness in Skid Row; after which she took on a more selfless role as mother to their two beautiful children.

The family had just purchased a beautiful new home in Claremont when they decided to reach out to OAK Insurance Solutions. They were interested in finding out how their current coverages compared to our recommended limits of insurance. We quickly identified a lapse in liability coverage that had them fully exposed and at risk. The gap was filled and coverages were increased. All of this while still being able to save them 22.5% in annual insurance premiums. Accordingly, we conducted a gap analysis on their current and recommended limits of insurance. As a result, the products, services, and benefits to our review include the following:

  1. Homeowners Insurance – 30% Savings
  2. Excess Liability Insurance – 50% Increase
  3. Auto Insurance – 15% Savings
  4. Health Insurance
  5. Risk Management
  6. Carrier Consolidation
  7. Multi-line Discounts – 25% Savings 
  8. Policy Management & Consolidation 
  9. Life Insurance 

Thank you to The Napolin Family for their trust and business. We value them as clients and great people!

We helped them and can help you too!

To learn more about how you can save on insurance while increasing your coverage, please contact OAK Insurance Solutions.
CALL) 626.775.7850
TEXT) 626.818.8987
EMAIL ME HERE

Call Us & Find Out How Much You Can Save in Insurance!

(626) 775-7850

Glendora Life Insurance – 5 Reasons You Need Coverage Now

By | Blog

Glendora Life InsuranceAs we age, get married, have children, become our parents’ caretakers, and transition through the chapters of life, life insurance increases in importance. In fact, depending on the type of policy, here in Glendora (and surrounding areas), life insurance is fairly cheap, particularly the earlier you get it. Therefore, there is no excuse why one, with dependents and a family, doesn’t have coverage. It should be a fundamental part of your financial plan and a necessary element to protecting your dependents and loved ones in the event of your passing.

As a Glendora life insurance agent I’ve met many families grateful for having coverage after their loved ones have passed, and conversely, many who wish they had obtained coverage sooner. To shed some light on the importance of life insurance, here are 5 reasons you should obtain coverage from your…

Glendora Life Insurance Agent:

1) Do you have or plan on having dependents?

If you have someone financially relying on your income, such as a child, parent, or spouse, then life insurance is a must as it replaces your income when you die. In particular, if you’re a parent of young children or the main provider in your household, then coverage is essential. Side note, to find out how much life insurance you’ll need to replace your income and how affordable it is to protect and continue to provide for your dependents even after you die, contact us at 626.818.8987.

2) Do you wish to leave an inheritance?

Although many wish to leave an inheritance for their loved ones, they can’t if they don’t have the assets to pass to their heirs. So what can they do? They can obtain life insurance and name their heirs as their beneficiaries. This essentially provides an inheritance and sets up their loved ones for financial success.

3) Do you want to help your family cover outstanding debts after your passing?

Losing a loved one is difficult and can leave an emotional burden on your family as they attempt to ease their loss. Therefore, the last thing they need during such trying times is added financial burden. Outstanding debts, such as credit cards, car loans, and/or mortgages, as well as funeral and burial expenses costing upwards of tens of thousands of dollars, can place your family in financial hardship, in particular if they’re one income short. Prevent the risk; protect your family with life insurance.

Think about it…

Do you or your spouse have any student loans?

Sunny California is a wonderful state to live in. However, it comes with a downfall. We live in a community state. Therefore, if your spouse dies, you may be liable for their debts and vice versa. So if either of you have any private student loans and one dies, regardless whether you are a co-signer or not, the other will be responsible for that debt.

Do you or your spouse have housing expenses (i.e. rent or a mortgage)?

When you and your spouse share a home, either one or the both of you, are responsible to pay the mortgage or rent. Accordingly, you must ask yourself whether each of you can afford the housing expense on your individual incomes. If you can’t, then life insurance is a must.

4) Do you want to maintain a particular lifestyle?

Eliminating an income source due to death can immediately halt a lifestyle you’re both accustomed to. Therefore, reduce the fear of the unknown and the question of how your family will financially survive with one less income by obtaining life insurance to cover their everyday living expenses.

5) Do you want to add more financial security?

Like most parents, you probably want to know your kids will be well taken care of when you’re gone. You not only want to cover for their everyday expenses (i.e. food, clothing, shelter), but you want to provide them with a quality college education, and perhaps help them one day get married, start a business, and/or buy their first home. For this reason, coverage is essential while your kids are still at home.

While we don’t know when we’ll pass, we do know we can continue to provide for and protect our loved ones afterwards. Don’t fall into the statistics. According to one study, “91% of widows lose everything in the first twelve months after their husband’s death…Houses, cars, education for kids, their entire lifestyle is forced to change.” Make sure your family is not part of the statistics. Gain peace of mind by getting life insurance coverage, and continuing to help take care of your loved ones when you’re gone.

To learn more about life insurance coverage and other programs, please contact OAK Insurance Solutions.
CALL) 626.775.7850
TEXT) 626.818.8987
EMAIL ME HERE

http://oakinsurancesolutions.com/

Michael Martinez

Call Us & Find Out How Much You Can Save in Insurance!

(626) 775-7850