Life Insurance Provides Peace Of Mind

We are a premier independent insurance agency with over 30 years of experience.
We find the right insurance provider and product for you.

WHEN DID YOUR AGENT LAST REVIEW YOUR EXISTING POLICY?

Downs Insurance Solutions offers comprehensive services from plan design to the accuracy of completing the application process, while providing guidance throughout the underwriting process. Life Insurance, owned correctly, can provide a tax-free benefit to your family, business partner or charity.

We understand that concerns for pre-existing health conditions or other factors may affect your desire to engage in the underwriting process. Our agency partners with insurance companies who allow us to inquire about your insurability before you take the insurance exam or complete a formal application. This life insurance “prelim application” process allows you to explore the options available to you, so you can make an informed decision to move forward, based on tentative offers from the carriers.

We can work with your team of professionals or if requested, we can refer you to those we have partnered with. We have an excellent repour with several Bay Area estate planning and business attorneys and accountants. Let us review any existing life insurance policies you have to assure your insurance needs are still being met by your contract.

LIFE INSURANCE, PROPERLY PLANNED, IS PEACE OF MIND

  • Life Insurance is an asset, providing a tax-free benefit to your spouse, children, business partners; assuring financial stability for those we leave behind

  • Life Insurance is a vital tool that when purchased and owned correctly can be a key component of your estate tax planning needs.

  • Will or Trust, do you have one? If you are a business owner do you have a succession plan in place? We can help. We have experience designing products to fit your needs, we work with our clients trusted professional team of attorneys and accountants. If you need a referral to an attorney or CPA, let us know.

  • Don’t settle for less, you have a choice in product, premium and solution. Our ethical approach creates an unbiased solution to assure what policy you purchase meets your needs. Our due diligence allows us to underwrite your coverage with multiple carriers, so you know you’ve received the best underwriting offers and cost-effective premium.

  • Life Insurance with a Long-Term Benefit built in? This is an excellent way to fund your potential long-term care insurance needs. If you don’t use it in your life time the benefit is paid out to your beneficiaries. This product if offered by a select group of carriers. We have helped many of our clients with their planning.

  • Legacy planning. Did you know you could also use life insurance as a tool for planned giving? Consider a charitable donation to your high school, college, church, museum or favorite cause. Make a difference for generations to come.

Life Insurance Companies

Aviva
American General
Guardian
ING
John Hancock
Lincoln Financial
Lincoln Benefit Life
Met Life
Minnesota Life
Mutual of Omaha
Principal Financial
Protective Life
Prudential
Symetra
Transamerica

We have 100% retention of our Life Insurance Clients.

Our clients trust us.