Protection for every need. Get an insurance quote today.

Often, yes. Group long-term disability typically caps at around 60 percent of salary with a monthly maximum, and benefits are usually taxable when the employer pays the premium. An individual policy fills the gap and stays with you when you change jobs.

Yes. Carriers qualify self-employed applicants using tax returns and 1099s, and this is often the single most important policy for business owners since no employer plan stands behind them.

It is the waiting period between when you become disabled and when benefits begin, commonly 30 to 90 days. A longer elimination period lowers your premium, so we set it based on your savings cushion.

Most policies replace 50 to 70 percent of gross income up to the policy's monthly maximum. When you pay the premium yourself with after-tax dollars, benefits are generally received income tax free.

Often, yes. Carriers underwrite conditions differently, so placement matters, and simplified-issue final expense policies ask fewer questions. If your employer offers group life insurance, that coverage is issued with no medical questions at all. We help you find the path that works.

Final expense insurance is a smaller whole life policy, commonly between $5,000 and $25,000, designed to cover funeral costs and last bills. Underwriting is simplified, so approval is realistic even later in life or with health conditions.

IUL is permanent coverage with flexible premiums where cash value growth is tied to a market index, with floors that protect against down years. It suits people who want lifelong protection plus tax-advantaged accumulation.

Term life covers a set period, commonly 10, 20, or 30 years, at the lowest cost. Whole life never expires, keeps level premiums, and builds guaranteed cash value. Many families use term for the working years and add permanent coverage for lifelong needs.

A typical plan covers an annual eye exam and provides an allowance toward lenses, frames, or contacts each year, plus discounts on extras like coatings. Family plans extend the same benefits to your spouse and kids.

Preventive care like cleanings and exams is typically covered right away. Basic and major work often carries a 6 to 12 month waiting period, and some carriers waive it with proof of prior coverage. We flag every waiting period before you enroll.

Some full-service plans include orthodontic benefits for braces and aligners, usually with a waiting period and a lifetime maximum. If orthodontics are on your horizon, tell us up front and we will quote the plans that actually cover them.

Yes. You can buy dental alone, vision alone, or bundle both with one carrier. Bundling keeps one bill and often reduces the combined premium.

On-exchange plans are sold through your state's ACA marketplace and are the only plans eligible for subsidies. Off-exchange plans are purchased directly from carriers and sometimes offer networks or designs the marketplace does not list. We compare both channels side by side.

Premium tax credits are income-based subsidies that lower the monthly cost of marketplace plans. Eligibility depends on household size and income. We estimate your credit before you apply so there are no surprises at tax time.

No. Individual health rates are filed with state regulators, so the premium is identical whether you enroll directly or through a licensed agent. Working with Saint Moore adds a subsidy check, plan comparisons, and year-round support at no added cost.

Yes, if you have a qualifying life event. Losing job coverage, moving, getting married, having a baby, or aging off a parent's plan each opens a special enrollment period, usually 60 days from the event. We confirm which window applies to you before you apply.

Often, yes. Group long-term disability typically caps at around 60 percent of salary with a monthly maximum, and benefits are usually taxable when the employer pays the premium. An individual policy fills the gap and stays with you when you change jobs.

Yes. Carriers qualify self-employed applicants using tax returns and 1099s, and this is often the single most important policy for business owners since no employer plan stands behind them.

It is the waiting period between when you become disabled and when benefits begin, commonly 30 to 90 days. A longer elimination period lowers your premium, so we set it based on your savings cushion.

Most policies replace 50 to 70 percent of gross income up to the policy's monthly maximum. When you pay the premium yourself with after-tax dollars, benefits are generally received income tax free.

Often, yes. Carriers underwrite conditions differently, so placement matters, and simplified-issue final expense policies ask fewer questions. If your employer offers group life insurance, that coverage is issued with no medical questions at all. We help you find the path that works.

Final expense insurance is a smaller whole life policy, commonly between $5,000 and $25,000, designed to cover funeral costs and last bills. Underwriting is simplified, so approval is realistic even later in life or with health conditions.

IUL is permanent coverage with flexible premiums where cash value growth is tied to a market index, with floors that protect against down years. It suits people who want lifelong protection plus tax-advantaged accumulation.

Term life covers a set period, commonly 10, 20, or 30 years, at the lowest cost. Whole life never expires, keeps level premiums, and builds guaranteed cash value. Many families use term for the working years and add permanent coverage for lifelong needs.

A typical plan covers an annual eye exam and provides an allowance toward lenses, frames, or contacts each year, plus discounts on extras like coatings. Family plans extend the same benefits to your spouse and kids.

Preventive care like cleanings and exams is typically covered right away. Basic and major work often carries a 6 to 12 month waiting period, and some carriers waive it with proof of prior coverage. We flag every waiting period before you enroll.

Some full-service plans include orthodontic benefits for braces and aligners, usually with a waiting period and a lifetime maximum. If orthodontics are on your horizon, tell us up front and we will quote the plans that actually cover them.

Yes. You can buy dental alone, vision alone, or bundle both with one carrier. Bundling keeps one bill and often reduces the combined premium.

On-exchange plans are sold through your state's ACA marketplace and are the only plans eligible for subsidies. Off-exchange plans are purchased directly from carriers and sometimes offer networks or designs the marketplace does not list. We compare both channels side by side.

Premium tax credits are income-based subsidies that lower the monthly cost of marketplace plans. Eligibility depends on household size and income. We estimate your credit before you apply so there are no surprises at tax time.

No. Individual health rates are filed with state regulators, so the premium is identical whether you enroll directly or through a licensed agent. Working with Saint Moore adds a subsidy check, plan comparisons, and year-round support at no added cost.

Yes, if you have a qualifying life event. Losing job coverage, moving, getting married, having a baby, or aging off a parent's plan each opens a special enrollment period, usually 60 days from the event. We confirm which window applies to you before you apply.

Yes, and bundling is one of the easiest ways to save. Combining policies like home, auto, and umbrella with the same carrier often earns a multi-policy discount and makes your coverage simpler to manage. As an independent agency, Saint Moore can compare bundled options across many carriers to find the combination that gives you the best coverage at the best price. Ask us to review your personal insurance as a package.

Valuable articles coverage protects high-value items that a standard home or renters policy limits or excludes, such as jewelry, fine art, watches, collectibles, and firearms. Most home policies cap how much they will pay for these items, often well below their real value. A separate valuable articles policy insures them for their full appraised worth, frequently with no deductible. If you own anything irreplaceable, ask us about valuable articles coverage.

Life insurance is generally designed to protect the people who depend on you. If your income helps pay a mortgage, raise children, or support a partner, a policy can replace that income and keep your family financially stable if something happens to you. It can also cover final expenses and outstanding debts so loved ones are not left with the bill. A Saint Moore agent can help you find the right amount and type of life insurance for your situation.

Personal umbrella insurance adds a layer of liability protection on top of your home and auto policies. If you are found responsible for an accident and the costs exceed your underlying limits, the umbrella picks up where those policies stop. It is surprisingly affordable for the protection it provides, and it is worth considering if you own a home, have savings to protect, or simply want more peace of mind. Learn more about personal umbrella coverage.

Most people think of home and auto, but personal insurance covers a lot more of your life. It includes life insurance for your family's financial security, personal umbrella coverage for liability beyond your other policies, valuable articles coverage for jewelry and collectibles, plus identity theft, travel, and pet insurance. See all of our personal insurance options.

A standard homeowners policy covers four main areas:

• Dwelling: the physical structure of your home
• Personal property: your belongings inside the home
• Liability: protection if someone is injured on your property
• Additional living expenses: temporary housing if your home becomes uninhabitable

Importantly, standard policies do not cover floods or earthquakes. Those require separate policies. We'll make sure you understand exactly what's covered and where your gaps are.

Premium increases can be driven by your claims history, changes in your property, your carrier's internal rate adjustments, or broader market conditions, especially in Southern California's fire-risk environment. We can review your current policy and shop the market to see if better pricing is available. In many cases, we find meaningful savings.

Yes, and this is one of the most common situations we help with. As an independent agency, we have access to specialty markets and carriers that specialize in hard-to-place risks, including high fire-hazard areas in Southern California. Don't wait. Call us as soon as you receive a notice so we have time to find you solid options before your coverage lapses.