Business Details
22 Years
experience
Your Trusted Insurance Partner in San Diego
At Terri Yurek Insurance, we have dedicated ourselves to providing exceptional insurance solutions tailored to meet the unique needs of our clients in San Diego and beyond. With over two decades of experience, our agency specializes in Medicare, life, and disability insurance, offering personalized guidance to individuals, families, and businesses. Our team of licensed professionals is committed to building long-term relationships founded on trust, transparency, and integrity. We pride ourselves on our deep understanding of the insurance landscape, ensuring our clients receive comprehensive coverage that aligns with their financial goals and healthcare needs.By staying at the forefront of industry trends and regulatory changes, we empower our clients to make informed decisions with confidence. Our mission extends beyond policy saleswe strive to be a reliable partner in safeguarding our clients' futures through customized insurance strategies. With a focus on exceptional customer service, we ensure every interaction reflects our dedication to client satisfaction and community-driven values.
Services
Medicare Central
Life Insurance
Disability Insurance
Employee Benefits
Medicare Supplement
Details
- Year established: 2004
Highlights and features
- We offer 20+ years of experience in Medicare and insurance services.
- Our team provides personalized, client-centric insurance solutions.
- 1000+ satisfied local clients trust our expertise.
- Quick response times for all client inquiries.
- Medicare-certified advisors with access to top insurers.
What people say
Very knowledgeable
Super quick feedback
Trusted advisor
Compassionate person
Dependable service
Services
Medicare Central
Our Medicare Central service offers personalized assistance navigating Medicare enrollment, plan selection, and ongoing support. With certified advisors, we simplify complex Medicare options, ensuring clients find coverage that aligns with their healthcare needs and budget. Our team provides unbiased education on Medicare Advantage, Supplement, and Part D plans, helping clients minimize costs while maximizing benefits. By staying updated on regulatory changes, we ensure clients receive accurate, future-proof guidance.
Life Insurance
We offer term and permanent life insurance solutions to protect families and businesses from financial hardship. Our advisors assess clients' unique circumstances to recommend policies that cover income replacement, debt protection, and estate planning. By partnering with top insurers, we provide flexible options that adapt to evolving life stages, ensuring long-term security for beneficiaries while maintaining affordability.
Disability Insurance
Our disability insurance services safeguard clients' financial stability by replacing income lost due to illness or injury. We offer short-term and long-term policies tailored to individual and business needs, ensuring coverage for essential expenses during recovery periods. Our team explains policy nuances like benefit periods and waiting periods, helping clients choose plans that balance cost and comprehensive protection.
Employee Benefits
We design customized employee benefit packages that balance affordability with high-quality care for businesses. Our solutions include health, dental, and retirement plans that attract talent while meeting regulatory requirements. By analyzing employers' budgets and workforce needs, we negotiate competitive rates with carriers, ensuring sustainable benefits programs that enhance workplace satisfaction and retention.
Medicare Supplement
Our Medicare Supplement policies fill gaps in Original Medicare coverage, reducing out-of-pocket costs for hospital and medical expenses. Certified agents explain plan options (A-N) and help clients choose policies based on health status and financial goals. We emphasize enrollment timing to avoid medical underwriting, ensuring guaranteed issue rights during initial eligibility periods for cost-effective coverage.
People
Terri Yurek
President
With over 20 years in insurance, Terri founded her agency to address gaps in Medicare understanding. She specializes in connecting San Diego's aging population with tailored coverage solutions, combining industry expertise with community-focused service.
Joe Mahoney
Broker
Joe specializes in Medicare education, ensuring clients understand enrollment options and coverage details. His approach emphasizes clarity and empowerment, helping clients navigate complex insurance decisions with confidence.
Lisa Whitley
Broker
Lisa brings two decades of San Diego insurance experience, focusing on Medicare solutions for seniors. Her practice prioritizes personalized service, addressing clients' unique healthcare needs while minimizing financial burdens through strategic plan selection.
Questions
What Medicare plan types do you help with?
We assist with Medicare Advantage, Supplement (Medigap), and Part D prescription drug plans, explaining coverage differences to help clients choose optimal options.
Can I change Medicare plans after enrollment?
Yes, during Annual Enrollment (Oct 15-Dec 7) or Medicare Advantage Open Enrollment (Jan 1-Mar 31). We guide clients through mid-year changes when qualifying events occur.
Do you offer life insurance for seniors?
Yes, we provide term and permanent life insurance options for seniors, including final expense policies that cover funeral costs and legacy planning needs.
How are disability insurance premiums determined?
Premiums depend on age, health, occupation, benefit amount, and policy duration. Our advisors explain cost factors to help clients balance protection with affordability.
What employee benefits do small businesses need?
Essential benefits include health insurance, retirement plans, and disability coverage. We create scalable packages that meet small business budgets while attracting quality employees.
How quickly do you respond to client inquiries?
We prioritize urgent needs with same-day responses for critical issues, maintaining average reply times under 24 hours for all insurance-related questions.
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