Affordable life and health insurance solutions for everyone.
Welcome to Unbreakable Spirits Insurance Firm
“Welcome to Unbreakable Spirits Insurance Firm—where your protection meets peace of mind.”
About Unbreakable Spirits
Our Mission
At Unbreakable Spirits Insurance Firm, our mission is to provide individuals, families, and businesses with reliable protection, financial literacy, and peace of mind. We are committed to delivering personalized insurance solutions in life, health, and notary services that empower our clients to make informed decisions and build secure futures.
Through compassion, integrity, and expertise, we strive to break barriers, educate our community, and ensure that everyone has access to coverage and resources that truly safeguard what matters most.
Not Just Covered. Unbreakably Protected.
Frequently Asked Questions
Please reach us at ubsinsurancefirm@gmail.com if you cannot find an answer to your question.
Q: Why do I need insurance?
A: Insurance protects you and your family from financial hardship in the event of unexpected events such as illness, accidents, or loss of life. It provides peace of mind knowing you’re covered.
Q: How do I know which type of insurance is right for me?
A: It depends on your needs and goals. For example, life insurance helps secure your family’s future, while health insurance helps cover medical costs. Our agents can walk you through the best options.
Q: What’s the difference between term and whole life insurance?
A: Term life insurance covers you for a set period (10, 20, or 30 years), while whole life insurance covers you for your entire lifetime and may build cash value.
Q: How much life insurance coverage do I need?
A: A common rule of thumb is 7–10 times your annual income, but factors like debts, dependents, and lifestyle play a big role.
Q: Can I borrow money from my life insurance policy?
A: Yes, if you have a permanent (whole or universal) life policy with cash value, you may be able to borrow against it.
Q: What does health insurance typically cover?
A: Most plans cover doctor visits, hospital stays, prescription drugs, preventive care, and emergency services. Coverage depends on your specific plan.
Q: What’s the difference between a deductible, copay, and coinsurance?
A:
- Deductible: What you pay out of pocket before insurance kicks in.
- Copay: A fixed amount you pay for a service (like $25 for a doctor visit).
- Coinsurance: The percentage you share with the insurance company after meeting your deductible.
Q: Can I keep my doctor with a new health plan?
A: It depends on whether your provider is in the insurance company’s network. Our team can check this for you.
Medicare can feel overwhelming, but you don’t have to figure it out alone. At Unbreakable Spirits Insurance Firm, we help you understand your options, compare plans, and choose coverage that fits your needs and budget.
📞 Call us today at 1(833) 574-5260 6:15 am - 4:00 pm PST to speak with a licensed insurance professional and get your Medicare questions answered.
"Not Just Covered. Unbreakably Protected."
Q: How much will my insurance cost?
A: Rates are based on age, health, coverage amount, and lifestyle factors. We’ll provide a personalized quote to fit your needs and budget.
Q: How do I file a claim?
A: You can file online, by phone, or with the help of one of our agents. We’ll guide you step by step through the process.
Q: What happens if I miss a payment?
A: Most policies include a grace period. If payment isn’t made by then, coverage may lapse. Contact us right away to avoid gaps in coverage.
Q: Do you provide notary services?
A: Yes! In addition to insurance, we also provide notary and apostille services to make paperwork stress-free.
Q: Can I bundle different insurance policies?
A: Absolutely. Many clients save money by bundling life, health, and other insurance plans together.
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Unbreakable Spirits Insurance Firm
Hours
Open today | 09:00 am – 05:00 pm |
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