About Us

Joel is able to explain in detail insurance coverages regarding a variety of products and because of his background as a teacher is able to clarify the difficult into the understandable!

Joel has had his insurance license for 21 years and has lived in San Diego for the past 21 years. He brings his expertise in personal lines insurance including private passenger auto, motorcycle, off road vehicles-ATV, pleasure boat, motorhome, and medical including medical advantage plans, medicare supplements, interim long term care coverage, long term care, major medical, short term medical, health savings accounts, senior Medicare savings accounts, and chronic illness plans.

Have you been declined for Long Term Care Insurance? Joel has a company that specializes in insuring those who have been declined for Long Term Care! There is also coverage for the interim period between the period just prior to the need for Long Term Care and its reality!

Joel is licensed to offer annuities and brings a diverse portfolio to a client's doorstep.

Do you have specialty needs for travel insurance, well HTH specialty coverage will cover you while out of the USA.

Joel is also licensed with AFLAC. The duck focuses on supplementary insurance coverage in accident, short-term disability, Cancer/Specified Disease, Hospital Confinement Indemnity, Specified Health Event, Hospital Intensive Care, Dental, Life, Hospital Confinement Sickness Indemnity, and Vision. AFLAC offers superior enrollment, communications, and claims efficiencies as well.

Joel is a broker and has access to a variety of excess and surplus markets. Are you pregnant? Well, Joel can direct you to a resource where you can obtain inexpensive coverage for your pre-natal, peri-natal, and post-natal experience!

Do you need a living trust or estate planning? Joel has access to competent attorneys who will guide you to a successful planning for your estate.

Are you just getting married? Joel can advise you on your life insurance needs as well. Whole Life, Term, Final Expense, and Universal Life can very well be the answer!

We provide client services for both Living Trusts and Reverse Mortgages as well.