Our Services

  • Annual Policy Review   

  • Ownership/Beneficiary Review for Accuracy  

  • Meeting with Clients Estate and Business Attorney and CPA’s

  • Assisting in Claims Processing and Reimbursements   

  • Enrollment and Eligibility Processing   

  • Client Service/Policy Maintenance

  • Assisting in Membership Changes, Billing and Premium Processing  

  • Assisting with assuring compliance requirements are met

  • Comprehensive Annual Policy Review Ownership   

  • Ownership   

  • Beneficiary Review   

  • Assisting in Claims Processing and Reimbursements   

  • Enrollment and Eligibility Processing   

  • COBRA Processing   

  • Client Service   

  • Policy Maintenance   

  • Assisting in Billing and Premium Processing

Our Clientele

  • Employers of 2-350 employees offering benefits for health, dental, vision, life, and disability
       

  • Individual Life Insurance clients meeting both income replacement and estate planning needs
       

  • Individual clients needing Long Term Care and Disability Coverage
       

  • Succession planning for business owners and partnerships (funding buy-sell agreements)

  • "Stemple Creek has been working with Downs Insurance Solutions for five years on our group benefits. Our staff has grown over the years and Debbie’s experience and proactive measures has assured that we offer very competitive benefits to our employees. We review our plan design and carrier options annually. Debbie and her staff are a great resource for us as business owners and for our employees. We appreciate the professional service we receive."

    — Stemple Creek Ranch

  • "Debbie has been our agent since 1990, providing group benefits to our employees, life and disability insurance for funding our Buy-Sell agreement, and working personally with the principals of our company on their personal coverage for life and long-term care insurance needs. Always available to resolve any claims, membership or accounting concerns that may arise. Her agency provides guidance to help us manage our costs."

    —N. Bajurin, Alouis Auto Radiator

  • "We’ve been grateful to Debbie for her expertise over the years. We began working with her in 1991. She has provided excellent service, recommending products that have met the challenges of providing life insurance protection for our family and group benefits for our employees. "

    —R & M Vavuris

  • "Debra Downs Insurance Solutions, Inc has been managing our group benefits for 5 years. I own multiple fast food restaurants and Debra has provided guidance and solutions to aid our operation on being compliant with Federal and State employee benefit requirements She provides annual open enrollment meetings and conducts a mid-year review so we have an ability to plan before our renewal. The support she provides is immeasurable.“

    - Valerie K. Siri, Valucci Restaurants, Inc., San Mateo, California

  • “Debra Downs provides guidance on the complexity of the Health Care Security Ordinance (HCSO) mandated by the City of San Francisco, to assure our benefit plans are compliant with the Affordable Care Act as well as HCSO. Her office provides excellent client services to our employees. Annually she provides 2-3 days of employee meetings, with translators, to educate our employees on the plan selection options available to them. Debra meets with our office quarterly to assure we are receiving timely updates on the marketplace. I would highly recommend Debra Downs Insurance Solutions, Inc to large group employers, looking to receive the highest standard of service.“

    - Karen Lamson, President, Alioto Fish Company, Inc., San Fransisco, California

We are the independent insurance agency you need
servicing the San Francisco Bay Area!

Life Insurance

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 rapport 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.

Group Benefits

Our group benefit clients appreciate the dedication to service, knowledgeable based solutions to the ever-changing marketplace of employer-sponsored benefits. Prior to the open enrollment period, we meet with our business owners to review their current plan selection and consider other carriers and plan designs to keep their employer-sponsored benefits affordable for them as well as being cognizant of their employee’s premium contributions. We work with our clients to assure that every open enrollment period results in employees receiving the tools they need to make an informed decision on their participation in the group coverage. We support our clients by personalizing the open enrollment packages, hosting meetings and assisting in obtaining enrollment or waiver forms from each eligible employee.

How do you know that we are the insurance agency you need when it comes to group benefits? We have a retention rate of 98% of our clients. This track record is proof of the outstanding services we provide to all our clientele.

Long Term Care Insurance

Life Insurance with a living benefit. Several carriers now offer Long-Term Care insurance as a rider to their life insurance contracts. This coverage brings peace of mind to clients who have made the move to this product, assuring their Long Term Care and Life Insurance needs are there to provide financial relief to them and their families.

Disability Insurance

If you are no longer able to earn income due to a diagnosed disability can your business or family survive financially? Tough question, but we have a simple answer. Disability insurance assures that your business and family will not be at risk and that you have a source of income during a difficult time.

Downs Insurance Solutions, primarily services clients in the Bay Area, including Silicon Valley. We have a client base that includes Northern and Southern California, as well as multiple other states.

Downs Insurance Solutions, primarily services clients in the Bay Area, including Silicon Valley. We have a client base that includes Northern and Southern California, as well as multiple other states.