Individuals & Families

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There are many times when the needs for an Individual policy cannot be adequately meet or is not available through an employer/group plan.  

Our Individual & Family Plans practice can provide you with the following policies:

  • Health Insurance
  • Life insurance (Term, Whole Life, UVL)
  • Disability insurance
  • Long-term care insurance 

 We have access to all of the major carriers and our objective is to find you the most cost effective policy that meets your needs. 

Our approach is very hands on and includes: meeting with you to understand your circumstances and needs, educating you on the how the policy works, and explaining to you the various options available to you in the policy design.

Contact us to learn more about any of these coverages and/or get your questions answered.  We look forward to working with you.

John Bowman
(650) 525-9180 | jbowman@baywoodinsurance.com

Health Insurance

Individual Health Insurance Coverage has become a growing part of an individual's portfolio.  We find this coverage is needed at different times for different reasons.

    • Employer does not offer Group Coverage
    • Independent Contractors / Self Employed
    • COBRA Alternative (Cobra is too expensive for the coverage you need)
    • Your Employer coverage has become too expensive
    • Your Dependents would be less expensive on Individual coverage
    • Graduating Student
    • Student ineligible for dependent status
    • Court Ordered Dependent Coverage

Whatever your reason, let our experts be a resource in solving your individual health insurance needs.

Life Insurance

Life insurance is an essential part of financial planning for everyone. Did you know that almost 33% of Americans over age 18 have no life insurance protection? The cash provided by life insurance can help spare your loved ones from having significant debt after your death. We will structure a Life Insurance program to meet your short and long term needs. We offer Term Life, Whole Life, Universal Life, Variable Life, and Survivorship for Estate Planning.

Contact us to learn more about Life Insurance products and leverage our experience to get a policy that meets your needs.

Disability Insurance

Disability insurance pays benefits if you are disabled and unable to work because of an accident, illness or injury. If you depend on your income to pay the bills or maintain your lifestyle, you need disability income protection. A percentage of your earned income is covered. Generally speaking, the benefits paid on an individually owned disability income insurance policy are tax-free.

In many cases, it is prudent to purchase your own Individual Disability Insurance policy even if you have this coverage through your employers group benefits because:

  • the amount of the benefit through your employer not be adequate to meet your needs
  • the receipt of benefits through your employer's policy may be taxable thus reducing the net benefit value to you

Most Professionals, Executives and Business Owners have Individually-owned Disability policies that augment/supplement any employer provided Group Disability policy.

As a respected and trusted benefit advisor, we are here to work with you to secure a policy for you that best meets your needs.

Long-term Care Insurance

Long Term Care insurance is a good way to address the rising costs of care for your aging loved ones.  The financial costs of long-term care have spiraled in recent years and the average cost of nursing home care is close to $80,000 per year in Northern California.   The cost of homecare can easily be $200 per day.  When you consider that the average nursing home stay is 2½ years, the out-of-pocket costs can be disastrous to most families.
When considering a Long Term Care policy you need to balance your goals with the cost. The Goals of your policy should include:

  • protecting your assets,
  • minimizing your dependence on other family members, and
  • controlling where and how you receive long-term care services.

There are many options and riders available in a Long Term Care policy including: elimination period, daily/monthly benefit amount, benefit period, inflation protection etc.