Business Details
22 Years
experience
Your Trusted Insurance Partner in Placerville, CA
Since 2004, Robert Lenoil Insurance Agency has been a trusted partner for health, life, and disability insurance in El Dorado County. Founded by Robert Lenoil, a former software engineer with a commitment to client-centric service, the agency transitioned from a Farmers Insurance affiliation to an independent broker in 2018, prioritizing tailored solutions over corporate constraints. Our team combines technical precision with deep industry expertise, certified as Covered California agents since 2013. We specialize in demystifying complex insurance landscapes, from ACA compliance to Medicare optimization, ensuring clients receive transparent, cost-effective coverage.With a focus on local communities, weve helped over 1,000 families navigate enrollment while maintaining ethical standardsnever prioritizing commissions over client needs. Our office, housed in a sustainably renovated 1957 building, reflects our dedication to innovation and community stewardship, earning recognition through awards like the Placerville Mayors Beautification Award.
Services
Health Insurance
Life Insurance
Disability Insurance
Medicare Coverage
Dental and Vision Coverage
Annuities
Foreign Travel Insurance
Group Health Insurance
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of experience in health, life, and disability insurance.
- Our team provides jargon-free guidance tailored to individual needs.
- We are a certified Covered California agent since the program's inception.
- Our ethical approach prioritizes client needs over commission-driven sales.
- We specialize in local market expertise for El Dorado County residents.
Associations and certifications
- Covered California
What people say
Knowledgeable and patient
Saved me money
Timely and thorough
Perfect insurance plan
Aboveboard business practices
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and businesses. Our expertise includes ACA-compliant plans through Covered California, Medicare supplements, and employer-sponsored policies. With certified agents since 2013, we help clients navigate premium tax credits, cost-sharing reductions, and network restrictions. Our focus on El Dorado County ensures localized knowledge of providers and regulatory requirements, while our independent broker status offers access to multiple carriers for optimal coverage.
Life Insurance
Our life insurance services include term and permanent policies tailored to financial obligations. We specialize in income replacement strategies, mortgage protection, and business succession planning. With access to multiple carriers, we help clients evaluate whole life, universal life, and indexed universal life options. Our approach emphasizes long-term affordability and estate planning integration, including irrevocable life insurance trusts for tax-efficient wealth transfer.
Disability Insurance
We offer customized disability insurance solutions to protect against income loss from illness or injury. Our expertise covers individual policies with 'own occupation' definitions, residual benefits, and inflation protection. We help clients understand elimination periods, benefit durations, and tax implications while balancing coverage needs with budget constraints. Our guidance ensures alignment with Social Security Disability limitations and personal financial goals.
Medicare Coverage
Our Medicare services include supplement plans, Advantage plans, and prescription drug coverage. We assist with enrollment during initial eligibility periods and annual open enrollment windows. With expertise in IRMAA surcharges and late penalties, we help seniors optimize coverage costs. Our support extends to comparing Medigap Plan G vs. F options and explaining network limitations in Advantage plans for informed decision-making.
Annuities
We provide fixed, indexed, and deferred annuities for retirement income planning. Our services include immediate annuities for guaranteed lifetime income and indexed annuities with market-linked growth potential. We advise on tax implications, surrender charges, and integration with overall retirement strategies. Our focus is on risk management, helping clients balance annuity investments with other portfolio components for sustainable income streams.
People
Robert Lenoil
Owner
Robert Lenoil, a former Silicon Valley software engineer, founded the agency in 2004. With an MIT engineering background and MBA, he applies analytical rigor to insurance solutions. Certified in Covered California since 2013, he specializes in ACA compliance and Medicare optimization while serving on local community boards.
Nancy Lenoil
Owner
Nancy Lenoil, former California State Archivist, contributes administrative expertise to the agency. A Distinguished Fellow of the Society of American Archivists, she ensures operational precision behind the scenes while maintaining high ethical standards in client interactions.
Questions
How do I qualify for Covered California premium tax credits?
Your eligibility depends on household income between 100-400% of the Federal Poverty Level. We calculate your specific subsidy based on income, family size, and local plan costs during application.
What's the difference between Medigap Plan G and Plan F?
Plan F covers the Medicare Part B deductible ($257 in 2025), while Plan G requires you to pay this amount. Plan F is only available to those eligible for Medicare before 2020.
Can I purchase dental coverage outside open enrollment?
Yes, we offer standalone dental plans available year-round without waiting periods or qualifying life events.
How does disability insurance differ from Social Security Disability?
Private disability policies offer broader coverage with 'own occupation' definitions, while Social Security Disability requires total work inability and has strict approval criteria.
What happens to my annuity when I die?
Beneficiaries receive remaining value according to contract terms. Deferred annuities pass through probate unless payable-on-death designations are established.
Do you offer group health insurance for small businesses?
Yes, we help businesses with 2-50 employees select group plans meeting ACA requirements while optimizing cost-sharing arrangements.
