Insurance Resources and Simple Guides
Insurance has a lot of words that can be hard to follow. This page breaks down common terms and points you to helpful guides on our site.
If you still have questions, call 310-704-4901. We are happy to explain.
Insurance words, made simple
- Premium: the price you pay for your insurance
- Deductible: what you pay before insurance starts to pay
- Limit: the most a policy will pay
- Beneficiary: the person who gets life insurance money
- Exclusion: something a policy does not cover
- Underwriting: how an insurance company decides to approve you and set your price
- Certificate of insurance: a page that proves you have coverage
- Additional insured: another party added to your policy for certain claims
Guides for families and seniors
Start with our final expense insurance page to learn how burial insurance works. Read about preneed funeral plans if you want to plan details ahead. Our long-term care page explains how to pay for care later in life. Our annuities page explains retirement income.
Guides for events and businesses
Our special event insurance page covers one-day events, parties and fundraisers. The concert insurance page covers shows and tours. Promoters can read our boxing and MMA page and use the online application. Business owners can read our commercial and bar and restaurant pages.
Boxing and MMA application forms
Fight promoters can apply online with our step-by-step form. You can also download a blank PDF application from our boxing and MMA page.
Check a license
You can look up an insurance license on the California Department of Insurance website. Our agency license number is 6008648.
Visit the California Department of Insurance to look up any agent or agency.
Tips before you buy any policy
- Know what you want to protect and why
- Ask what is not covered
- Compare limits, not just price
- Read the policy when it arrives
- Review your coverage every year
How to read your insurance policy
Your policy has a few main parts. The declarations page lists who is covered, what is covered, the limits and the price. The coverage part explains what the policy pays for. The exclusions part lists what it does not pay for. The conditions part explains your duties, like how to report a claim.
Start with the declarations page. Then read the exclusions. If something is not clear, call us and we will walk through it with you.
What to do when you need to file a claim
- Make sure everyone is safe first
- Take photos and write down what happened
- Report the claim to your insurance company soon
- Keep receipts for repairs and costs
- Call us if you have questions along the way
Open the Boxing and MMA application →
Frequently asked questions
What is the difference between a premium and a deductible?
The premium is what you pay for the policy. The deductible is what you pay out of pocket on a claim before insurance pays.
Where can I check an agent's license?
Use the California Department of Insurance license lookup on its website.
Do you have forms I can download?
Yes. A blank Boxing and MMA application PDF is on our boxing and MMA page.
What is a declarations page?
It is the summary page of your policy. It lists who and what is covered, your limits, your deductible and your price.
Coverage is subject to insurer underwriting, approval and policy terms. A quote request does not bind coverage.