About Us

 

Choice

Having the right insurance adviser to evaluate your employee benefits package is very important, especially in today’s ever changing health insurance climate. We have access to all of  the health insurance carriers here in California giving you the option to pick the right plans for you and your employees.

Modesto Employee Insurance

 
Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when there is a problem. Sean Crisp & Associates Insurance Agency works with over 50 different health insurance carriers, dental carriers, vision carriers, life insurance companies, Long-Term-Care, and disability carriers here in California. What is an Independent Insurance Agent? An independent insurance agent is one who has access to all of the available markets within a chosen demographic area that best suits the needs of their clients, thereby giving them more choice. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy the specific needs of their client(s).  Being that commissions are fixed and non-negotiable by the carriers, this gives everyone an equal advantage when shopping for life & health benefits, even when comparing quotes on-line. The other important advantage using an agent is the customer service. There is no substitute for personal customer service vs. on-line health insurance.

 

Group Benefits

 

Individual Health

Individual and family health insurance has only gotten more complicated and expensive with the passing of Obamacare. The good news is that most are eligible for premium subsidies and even plan subsidies. This means not only could you get help with the expensive monthly premiums but also with help paying all out-of-pocket expenses. In some cases you may even qualify for no-cost health insurance.

 

Auto, Home, and Personal Insurance