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Insurance & Non-Insurance Products

Individual & Voluntary Disability Programs -Aflac

  • At this time ONLY "Choices," "Options" & "Flex" participants, as L.A. County Employees, do not pay into California State Disability Insurance (SDI) nor do they pay into Social Security Insurance (SSI).   

  • Maternity Benefits: There is a 10 month waiting period (limitation) after the effective date of coverage where the insured cannot deliver a child. 

  • Pre-existing Condition Limitation - Disabilities caused by a Pre-Existing Condition will not be covered unless it begins more than 12 months after the Effective Date of coverage.

  • There is also a Guaranteed Issue Disability option for those people who have existing conditions and who still want disability insurance.

  • "Press the button" below for information regarding L.A. County's Long Term Disability Program or call (800) 786-8600.

Term Life, Whole Life, Universal Life, Final Expense & Guaranteed Universal Life

  • Individual & Family Life Insurance plans are available.

  • L.A. County Employees can not take their group life insurance with them when or if they retire or leave L.A. County employment.

  • (IUL) Indexed Universal Life Insurance

  • (GUL) Guaranteed Universal Life Insurance 

  • (WL) Whole Life Insurance

  • (TL) Term Life Insurance

    • "Instant Decision" Policy Approval

    • 10, 15, 20, 25, 30 year level term options

    • Between $50K-$1.5M in life insurance coverage

    • No medical exam necessary

  • (UL) Universal Life Insurance

  • (G.I.) Guaranteed Issue Life Insurance  (Ages 50-80) 

    • Pre-Exising Conditions Welcome​

  • The Gerber Life Insurance, Grow-Up Plan (Ages: 14 days old up to 14 years of age.)

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  • Recovery Benefits" are available for individuals and/or family members.

  • Considering "disability management" programs, recovery benefits" are 24 hours and provide around-the-clock" insurance coverage.

  • These are lump sum benefits that  are paid to insureds to "recover" from either an insurable accident or an insurable sickness.

  • Lump Sum" benefits are paid based on policy specifications through healthcare utilization as one is under doctor's care.

  • These benefits will also pay in addition to Short Term Disability, Long Term Disability and Workers' Compensation benefits.

  • Coverage examples are: Accident Insurance, Cancer Insurance, Hospital (Sickness) Indemnity Insurance, Heart Attack/Stroke Insurance and etc. 

  • There are also Guaranteed Issue "Recovery Benefit" plan options for those people who have existing conditions and who still need "Recovery Benefit" coverage.

  • Recovery Benefits"may also be illustrated as healthcare, dental & vision insurance plans where benefits are paid to the insured for healthcare, dental & vision services rendered. 

Legal/ID Theft Plans

  • Nearly 10 million Americans have their identity stolen every year...

  • LegalShield provides plans and servies that help you stay on top of the issues and concerns you face everyday.

  • LegalShield has provided legal protection to millions of people for more than 40 years. And today, IDShield protects the identities of more than a million people in 50 states and 4 Canadian provinces. Identity theft protection is their business. 

  • IDShield is committed to providing complete identity restoration for its members. If a compromise occurs, you will work with an IDShield licensed private investigator who will immediately begin restoring your identity to exactly the way it was.

  • Under the ID Theft program they monitor your identity from every angle, not just your Social Security number, credit cards and bank accounts. We watch over everything connected to you, including your passport, email, phone numbers, driver's license number, medical IDs and more. If any change in your status occurs, you will receive an email update immediately.

  • Individual & Family plan options are available.

  • "Legal & ID" Plans are available for "home based" businesses, small businesses and large corporations.

RECOVERY BENEFITS

Life insurance

Short term disability

NOTE: All proposed insurance/non-insurance products have respective policy/plan limitations, policy/plan exclusions and policy/plan terms & conditions which are not listed nor illustrated above in the insurance/non-insurance product description.

OUR AGENCY

Pasadena, California

(EVBS) Insurance Agency, Inc. was founded in July of 2015 with a mission to provide quality insurance/non-insurance marketing, products and services to satisfy the individual/family objectives and financial needs of the ever changing employee benefit marketplace using work site, voluntary benefits as the "tool" to justify these means... In addition, we help employers with the marketing and sales of healthcare, dental, vision and life insurance aspirations.  (EVBS) has Producers, where combined, have been servicing the community at large as well as L.A. County employees for over 25 years.

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