Business Details
48 Years
experience
Emergency
services
Your Trusted Insurance Partner in Orange, CA
Term Insurance Agency has been serving clients since 1978, offering comprehensive insurance solutions tailored to individual and business needs. Our expertise spans life insurance, Medicare supplements, flood coverage, long-term care, and specialized policies for seniors. With decades of experience, we prioritize personalized service, financial stability, and transparent communication. Our team works with top-rated insurers to ensure reliable coverage while providing free consultations and cost-saving strategies.We guarantee no hidden fees, with compensation derived solely from insurer partnerships. Backed by California Insurance License #0563687, we combine industry knowledge with a commitment to lasting client relationships.
Services
Life Insurance
Medicare Supplements
Flood Insurance
Final Expense Plans
Long-Term Care Insurance
Senior Life Settlements
Worldwide Travel Medical
Dental Coverage
Medicare Part D
ACA Compliance
Details
- Year established: 1978
Highlights and features
- We offer 45+ years of insurance expertise since 1978.
- Our personalized reviews identify cost-saving opportunities without policy changes.
- We guarantee transparent pricing with no hidden fees.
- We partner exclusively with financially stable, rated insurance carriers.
- We provide free, no-obligation consultations for all coverage needs.
Services
Life Insurance
We provide term life insurance policies ranging from 10 to 30 years with coverage up to $2 million. Our non-medical options allow qualified applicants to secure coverage without physical exams. Policies include conversion provisions for future permanent coverage needs. We work with top-rated carriers to ensure competitive rates and flexible underwriting criteria for diverse health profiles.
Medicare Supplements
Our Medigap plans help cover out-of-pocket Medicare costs like deductibles and copays. We offer standardized plans from multiple insurers to match varying healthcare needs. Our specialists assist with enrollment and explain coverage options to maximize benefits while maintaining compliance with federal regulations.
Flood Insurance
We provide flood insurance through both NFIP and private carriers like Neptune Flood. Coverage includes structural protection up to $4 million and contents coverage up to $500,000. Our California-specific policies address unique risks from coastal storms, river overflow, and mudflow incidents.
Final Expense
Our guaranteed issue final expense policies cover ages 50-80 with simplified underwriting. Coverage ranges from $5,000 to $35,000 to address funeral costs and estate obligations. We offer graded death benefits with premium refunds during initial policy years for added flexibility.
Long-Term Care
We offer California Partnership Program-compliant long-term care policies with asset protection benefits. Plans include home care, assisted living, and nursing facility coverage with mandatory care management services. Policies require inflation protection and meet state-mandated benefit standards.
People
Robert M. Coleman
Owner/Agent
Licensed since 1978, Robert Coleman brings decades of experience in life and health insurance. Formerly with Great-West Life and MetLife, he specializes in Medicare solutions and senior financial security. He maintains California Insurance License #0563687.
Questions
What insurance products do you specialize in?
We specialize in life insurance, Medicare supplements, flood coverage, final expense plans, long-term care, and senior-focused policies.
Are you affiliated with government programs?
We are not connected to Medicare or the U.S. government but offer plans from contracted insurers.
How can I apply for coverage?
Apply online via our partner platforms or contact us for personalized assistance with applications.
Do you charge for consultations?
No, we provide free consultations and policy reviews with no obligation.
What areas do you serve?
We primarily serve California residents with select nationwide products.
How are you compensated?
We receive commissions from insurers, ensuring no additional costs to clients.
