Business Details
38 Years
experience
Emergency
services
Your Trusted Partner for Insurance Solutions
Since 1988, we have dedicated ourselves to simplifying insurance for families and businesses across Nevada and California. As independent brokers, we prioritize your needs over insurance companies, offering unbiased guidance and honest solutions tailored to your unique circumstances. Our team brings decades of combined experience, specializing in breaking down complex policies into clear, understandable options. We work closely with leading national providers to ensure you receive comprehensive coverage that aligns with your financial goals and lifestyle.Our commitment to transparency means no hidden fees or confusing jargonjust straightforward advice to protect what matters most. With personalized service and a focus on long-term relationships, we help you navigate annuities, bonds, life insurance, and specialized coverage with confidence. Our 35+ years in the industry reflect our dedication to excellence, earning the trust of clients who value expertise and integrity in their insurance decisions.
Services
Life Insurance
AD&D Insurance
Dental Savings Plan
Travel Health Insurance
High Limit Disability
Kidnap & Ransom Insurance
Accident Only Major Medical
Annuities
Bonds
Surety Bonds
Details
- Year established: 1988
Highlights and features
- We offer 35+ years of experience serving Reno and California residents.
- Our team is licensed in Nevada and California with proven expertise.
- We provide independent, objective guidance without insurance company bias.
- Our personalized solutions avoid cookie-cutter approaches to coverage.
- We offer online tools to simplify insurance decision-making processes.
What people say
Always been pleased
Honest in product presentation
Exceptionally responsive
Personalized solutions
Clear explanations
Services
Life Insurance
Life insurance provides financial security for families by offering tax-free death benefits to cover mortgages, education, and daily expenses. We offer term and whole life options with flexible coverage amounts. Our policies include early benefits for terminal illness and cash value growth for long-term financial planning.
AD&D Insurance
Accidental Death & Dismemberment insurance offers additional financial protection for unexpected accidents, covering loss of life, limbs, eyesight, or hearing. Policies provide 24/7 worldwide coverage with immediate benefits and no medical exams required for qualification.
Dental Savings Plan
Dental Savings Plans deliver immediate discounts on preventive, basic, and major dental procedures without waiting periods or annual limits. Members access a nationwide network of dentists with family-friendly pricing and no pre-existing condition exclusions.
Travel Health Insurance
Travel health insurance protects against medical emergencies abroad, covering emergency treatment, hospitalization, and evacuation. We offer USAway plans for Americans traveling internationally and International Major Medical plans for visitors to the U.S. with 24/7 assistance services.
High Limit Disability
High limit disability insurance safeguards high-income professionals with coverage exceeding standard policy limits. Features include own-occupation benefits, cost-of-living adjustments, and guaranteed renewable terms to protect income during long-term disabilities.
People
Dale Ehrgott
Owner, LUTCF
Dale Ehrgott brings 35+ years of insurance expertise to personalized client consultations. Licensed in Nevada and California, he specializes in simplifying complex coverage options for families and businesses. His client-first approach prioritizes clear explanations and tailored protection plans.
Questions
How do you explain complex insurance terms in a way I'll understand?
We break down complex terms into plain English with no industry jargon. Our explanations focus on helping you make confident decisions about your coverage.
What's different about your agency?
As independent brokers, we work for you, not insurance companies. This means personalized guidance, clear explanations, and solutions tailored to your specific needs.
How long does it take to get coverage in place?
Most coverage can be secured within 5-7 business days after finding your perfect fit. We handle the paperwork and guide you through each step.
Can I adjust my insurance coverage over time?
Yes, most insurance types allow adjustments. We help you modify life, dental, travel, and AD&D coverage as your needs change over time.
What if I have questions after coverage?
We're here to help long after your policy begins. Call us anytime with questions—we'll explain things clearly and help you understand your coverage.
Do I need both life insurance and AD&D coverage?
Life and AD&D insurance serve different purposes. We'll explain each option's benefits to help you decide what combination best protects your situation.
