Business Details
48 Years
experience
Your Trusted Insurance Partner in Orange, CA
Term Insurance Agency, established in 1978, has served as a trusted resource for comprehensive insurance solutions. With over four decades of experience, we specialize in life insurance, Medicare supplements, flood insurance, long-term care, and other critical coverage options. Our agency prioritizes client needs by offering personalized guidance through complex insurance decisions, leveraging partnerships with reputable insurers. We emphasize transparency, financial stability, and tailored service to meet individual and family needs.Our team, led by California-licensed expert Robert M. Coleman, provides educational resources and direct support to simplify insurance planning. We focus on long-term client relationships, ensuring coverage evolves with life changes while maintaining affordability. Our commitment to ethical practices and client education has solidified our reputation as a reliable insurance advisor in Orange, California.
Services
Life Insurance
Medicare Supplements
Flood Insurance
Long-Term Care
Final Expense
Senior Settlements
Medical Exam Help
Travel Medical
Dental Coverage
ACA Compliance
Details
- Year established: 1978
Highlights and features
- We offer 40+ years of experience in life and health insurance planning.
- Our team provides personalized guidance through complex insurance decisions.
- We partner with top-rated insurers to ensure financial stability and coverage options.
- We prioritize client education and transparency in all insurance recommendations.
- Our services include specialized Medicare supplement and long-term care solutions.
Services
Life Insurance
We provide customizable term life insurance policies with coverage periods of 10, 15, 20, or 30 years. Our non-medical options allow qualified applicants to secure up to $2 million in coverage without traditional exams. The policies include conversion provisions for permanent coverage and cater to individuals seeking affordable protection for mortgages, family support, and estate planning.
Medicare Supplements
Our Medigap plans fill coverage gaps in Original Medicare, offering standardized options to reduce out-of-pocket costs. We provide personalized comparisons between Medigap, Medicare Advantage, and Part D plans, ensuring clients understand benefits like prescription drug coverage and emergency travel protection.
Flood Insurance
We offer both National Flood Insurance Program (NFIP) and private flood insurance options. Coverage includes structural protection up to $250,000 and contents up to $100,000 through FEMA, with higher limits available from private carriers like Neptune Flood for California properties in high-risk zones.
Long-Term Care
Our long-term care policies cover home care, assisted living, and skilled nursing services. California Partnership Program plans include mandatory care management and asset protection benefits, with inflation-adjusted coverage and benefit periods ranging from 2-3 years.
Final Expense
Final expense plans provide $2,000-$35,000 in coverage for end-of-life costs, including guaranteed issue options for seniors aged 50-85. Policies feature graded death benefits during the first two years and cash value accumulation in select permanent life insurance products.
People
Robert M. Coleman
Owner
With over 40 years in insurance, Robert Coleman specializes in life, Medicare, and long-term care planning. He holds California License #0563687 and focuses on client education through digital resources and personalized consultations.
Questions
What types of insurance does Term Insurance Agency offer?
We provide life insurance, Medicare supplements, flood insurance, long-term care, final expense plans, and travel medical coverage tailored to individual needs.
How can I apply for life insurance online?
Visit our website to access our online quote tool and application portal, with options for instant help via chat or video tutorials.
Do you offer Medicare Advantage plan comparisons?
Yes, we help compare Medicare Advantage, Part D, and Medigap plans through partnerships with major insurers.
What is final expense life insurance?
Final expense insurance covers burial costs and end-of-life expenses, available in guaranteed issue and graded benefit options.
Can I get flood insurance in California?
Yes, we offer NFIP and private flood insurance options for California residents, including coverage for high-risk areas.
How does long-term care insurance work?
Our LTC policies cover chronic care needs, including home care, assisted living, and nursing home services, with California Partnership Program options.
