About Us
About Our Business
Welcome to #1 California Health
Insurance.  We Offer Excellent Products
& Services Exclusively to
California
Residents
.
An individual, family, or small business can literally obtain hundreds of health insurance
quotes all over the Internet.  The conclusion that consumers  find who have researched
several websites for a quote is that they all usually come up with the same company!  At
any time during the year one carrier always a dominating carrier. The key to a successful
search is no different than shopping for any other product or service... Who is going to
help you compare with so many available chooses and what about after you have
purchased the product?

We have over a decade  years of combined experience in the insurance field. Each of us
understands that our agency's success is totally dependent on the success of each of
our clients. We want to build long lasting relationship as your insurance agency.

Search:
1st is to locate the best value for our client's dollar.

Our staff will use the information you provide to conduct a search among the dozens of
companies that provide the insurance you are looking for. Or We will immediately e-mail
you the results. Upon requested we will send you a comprehensive hard copy back-up
by U.S. Postal Service.

Our search staff is available to answer questions for you by e-mail or telephone. Our
website can provide additional information to help you in the decision making process.

Underwriting: Once you have selected an insurance carrier your application must be
submitted for underwriting. Our staff will review your application for completion accuracy
and closely monitor it through the sometimes lengthy and complex underwriting process

There are only four possible results of this process:




















We will continue to assist you no matter what the outcome! If your policy is issued other
"than applied for" there are many steps that can be taken to achieve the best possible
results. We guarantee to do everything possible to get the best overall results for you,
your family or your business.

Service: We continue to provide service to you long after your policy is issued. Whether it
is a billing problem, claims problem or a problem at a prescription counter, we will be  
there to assist you. You deal with us and we will deal with the insurance carrier! If at any
time the carrier is no longer able to serve your needs we will begin the "search" process
again. You are our client!
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California License #  0D12253
Get Free quotes easy, fast & online for
health insurance in California at:
www.aaacaliforniahealthinsurance.com


Issued as applied for: Your contract was approved at the price quoted with  
 no waivers or restrictions other than those allowed by statute (e.g.
pre-existing condition waiver)

Issued with price rate up and/or waivers : Your contract was issued at a
higher price than the original quote and may have additional waivers and/or
restrictions. This is usually the result of pre-existing medical history (e.g.
Diabetes, ht/wgt, hypertension, etc.)

Postponed: This action is usually taken by the insurance carrier when it is
unable to obtain needed information in a timely manner. Your application
will not be acted upon until the requested information is received.

Declination: With most insurance carriers this action is usually the
exception (approximately 75% of all applications are approved!) and will
only be taken when the information it receives will not allow it to insure the
risk.  There are HIPPA rates for individuals who get declined.
About Us
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