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      <image:title>Blog - Turning 65? 10 Things to Know for Medicare Enrollment in California and Choosing a Specialist - Make it stand out</image:title>
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      <image:caption>I handle Health Insurance, Life Insurance and Retirement Planning - for Families, Businesses and Individuals. I Specialize in Medicare and Senior Health and Retirement Planning.</image:caption>
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      <image:caption>Please let me know if you would like to review your current Employer Plan and save your company money.</image:caption>
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      <image:title>Home - Services</image:title>
      <image:caption>I handle Health Insurance, Life Insurance and Retirement Planning - for Families, Businesses and Individuals. I Specialize in Medicare and Senior Health and Retirement Planning.</image:caption>
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    <lastmod>2018-12-04</lastmod>
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    <lastmod>2019-05-22</lastmod>
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      <image:title>Voluntary Benefits</image:title>
      <image:caption>GET A QUOTE TODAY! A critical illness can strike suddenly and disrupt your life physically and financially. Critical Illness Direct offers seven affordable benefit level options that pay lump-sum cash benefits directly to you. The money can be used to pay unexpected medical costs or everyday living expenses. Applying is simple and can be completed in minutes. These plans can run as low as $25/month or $100/month for a family. DID YOU KNOW? 62% of bankruptcies in 2012 were due to illness ... 78% of those filers had health insurance. Cash benefits can be used for: Co-pays or co-insurance Rent/mortgage Car payments Child care Everyday living expenses</image:caption>
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      <image:title>Voluntary Benefits</image:title>
      <image:caption>GET A QUOTE TODAY! A critical illness can strike suddenly and disrupt your life physically and financially. Critical Illness Direct offers seven affordable benefit level options that pay lump-sum cash benefits directly to you. The money can be used to pay unexpected medical costs or everyday living expenses. Applying is simple and can be completed in minutes. These plans can run as low as $25/month or $100/month for a family. DID YOU KNOW? 62% of bankruptcies in 2012 were due to illness ... 78% of those filers had health insurance. Cash benefits can be used for: Co-pays or co-insurance Rent/mortgage Car payments Child care Everyday living expenses</image:caption>
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