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HERBERT COHEN FINANCIAL SERVICES


LIFE INSURANCE
The Best for LESS
Highest Quality    A++, A+ or A

Low Cost Premiums
Selected From Computer List


50% Insurance Commission Rebates by Agent - California only.
     * or FREE Revocable Living Trust.

Life Insurance - Second to Die, Term to 30 years, Universal or Whole Life (Rebates 25% - 40% of premium).

Herb Cohen Financial Services is a California Independent Discount Insurance Agent. Herbert Cohen has been offering financial services to corporate and individual clients for over 37 years. He saves money for consumers by rebating 50% of the commissions earned and paid directly back to the client. Rebates can save the client up to 45% of the first years premium for life insurance. Rebates on other types of insurance vary from company selected. Other discounts, special savings offers and gifts help clients save even more.

Most people pay more than they need to for life insurance and other types of insurance. Unless you shop around and compare costs, you could be paying two or three times more for coverage than necessary.

America's top rated insurance companies want your business and they offer some of the lowest cost insurance policies to consumers who are smart enough to shop around and compare.

Herb does the shopping from a list of over 100 policies, answers any policy questions, and collects any premiums due to the insurance company. When the insurance company pays his commission, a 50% commission rebate is sent back to the client from him, not the insurance company.

SPECIAL OFFER: If the client wants to apply all or a part of the insurance rebate to the preparation of a revocable living trust, irrevocable life insurance trust, family limited partnership, children's trust, foundation, etc., the rebates are often large enough to cover the entire cost of the trust or to set up a foundation. All trust preparation comes with a 90 day money back guarantee if not satisfied.

EXTRA GIFT: is given to each client who refers another person who purchases any insurance product or trust from Herb. The gift can save a family up to $500.00.

EARN HIGHER INTEREST: When you purchase an annuity contract or personal pension plan, take the rebate and add it to the contract accumulation account. Earn extra income on the rebate deposit until distribution. The extra income can be significant with bonus annuity and personal pension plans.

Rebates offered on the following types of insurance:

Annuities: single premium, split-dollar, deferred, immediate, index annuities and bond annuities.

  • Cancer Protection Plans
  • Dental Plans *non Knox-Keene Plans
  • Disability Insurance Plans
  • Employer/Employee Benefit Plans (*some exceptions)
  • Final Expense Insurance
  • Group Insurance Plans (*some exceptions)
  • Health Insurance *non Knox-Keene Plans
  • Life Insurance: term, universal life, whole life, second-to-die, key person insurance, buy-sell, mortgage acceleration
  • Long Term Health Care
  • Medical Savings Plans
  • Medicare Supplement Plans
  • Personal Pension Plans (combos), life, annuity & disability
  • Pre-paid Legal Plans

    Special gifts with every 401K, IRA-SEP, ROTH, IRA, Education KEOGH, Profit Sharing, Pension Plan or 125 Employee Plans.

    * The Internal Revenue Service and the California Corporations Commission restricts the amount of rebate. The California Insurance Commission allows rebates since the passage of Proposition 103 in November of 1988. The California Supreme Court upheld the rebate's legality.



    FOR ANY LIFE INSURANCE QUOTE REQUEST

    Please complete the information in the form below. Return quotations will be sent back in a few days by fax, mail, e-mail or phone. You pick the company policy that is best suited for your needs.


    First Name: MI: Last Name:

    Street Address:    City:

    State:    Zip Code:

    Email Address:    Phone:

    Sex: Male-  Female-
    Tobacco User: Yes-  NO-
    General Health: Good-  Some Health Conditions-

    Date of Birth: Month    Day: Year:
    Amount of Insurance Coverage Desired: for:
    Select Minimum BEST Rating:
    How Would you like Quote Delivered:

    Payment Options
    Provide any additional information you require, including any health
    conditions that might require special underwriting considerations:


              
    Thank you for your Inquiry!


    Ask about ways to get family discounts, lower policy fees and many other savings.

    If you are offered a lower written quote or illustration from another agency and are offered no rebate, I will work to match the quote and pay the 50% rebate for your business. Than you for taking the time to review this page. Good health and savings to you.


    Herbert Cohen Financial Services
    1616 E. Rock Creek Dr. #313
    Orange, CA 92866
    Phone/FAX: 714-532-6889

    California Insurance License #OA80572
    Over 36 years of financial service experience.


    Click here for Special Offer for Out of California Residents.



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