Smart Insurance Solutions — Tailored to Protect What Matters Most.
From health and Medicare coverage to life and employee benefits, our licensed advisors simplify every step — so you can make confident, informed decisions.
Book a Free Consultation
Choosing the right coverage shouldn’t feel complicated. At LA Castle Brokers Group, we combine years of expertise, ethics, and genuine care to match each client with coverage that truly fits. We listen, educate, and guide — so every plan you select supports your health, your family, and your future.
Our Insurance Solutions
ACA & Private Health Insurance
Choosing health coverage shouldn’t feel overwhelming. Our role is to make sure you understand your options, your eligibility, and your long-term benefits.
The Affordable Care Act (ACA) created a framework for quality, accessible health insurance. We help individuals and families navigate this system — verifying subsidy eligibility, comparing networks, and reviewing deductibles and premiums.
But not everyone fits the ACA model. That’s why we also explore private health insurance plans, ideal for self-employed professionals or those seeking tailored coverage outside the marketplace.
Our licensed agents don’t just quote plans — we explain what every term means, from co-pay to out-of-pocket maximum. You’ll leave our consultation knowing exactly how your plan protects you, your family, and your budget.
Common benefits we help you secure:
Access to nationwide networks of doctors and hospitals
Preventive care at no additional cost
Options for dental, vision, and prescription coverage
Guidance on enrollment periods and life-event changes
We Work With: many of the nation’s most respected insurance carriers — so you can compare plans and find the one that truly fits your needs.
Book a Free Consultation to find your best health plan.
Medicare Plans
Medicare is a powerful system — but it’s complex. Most people don’t realize there are dozens of plan combinations that can drastically change their coverage and costs.
Our certified Medicare advisors help you understand Parts A & B (Original Medicare) and how they interact with Part C (Medicare Advantage) and Part D (Prescription Drug Plans). We clarify how Supplemental (Medigap) plans can fill coverage gaps, protect your savings, and reduce out-of-pocket expenses.
We work step-by-step through your current prescriptions, doctors, and future needs to help you choose the most cost-effective plan — without pressure, without confusion.
We support you with:
Enrollment and annual review guidance
Explaining Medicare Advantage vs. Supplement
Prescription drug coverage analysis
Education on Extra Help and savings programs
Our commitment is simple: to help you get the right coverage the first time and keep it working for you year after year.
Book a Free Consultation with a certified Medicare advisor.
Life Insurance
Life insurance is not about selling policies — it’s about creating protection and peace of mind.
At LA Castle Brokers Group, we approach life insurance as a strategic tool for financial stability.
We evaluate your goals: replacing income, paying debts, funding education, or leaving a legacy — and build a plan that makes sense for your current and future needs.
We specialize in:
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Term Life Insurance – Affordable protection for a specific period (10–30 years).
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Whole Life Insurance – Lifetime coverage that builds guaranteed cash value.
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Indexed Universal Life (IUL) – Flexible coverage that accumulates cash value based on market indexes, without direct market risk.
We take time to explain living benefits, riders for chronic or critical illness, and how these policies integrate into long-term financial planning.
Our guiding principle:
“The right protection isn’t an expense — it’s an act of love and foresight.”
Book a Free Consultation to discover the right life insurance strategy for your family.
Employee Benefits & ICHRA Solutions
In today’s market, benefits are more than perks — they’re a retention strategy.
We help business owners design flexible, compliant Employee Benefits that attract talent and control costs.
Our expertise in Cafeteria Plans and ICHRA (Individual Coverage Health Reimbursement Arrangements) gives employers a smarter, more predictable way to offer health coverage.
How ICHRA Works
Instead of offering a traditional group plan, employers allocate a defined monthly allowance.
Employees then choose the ACA or private plan that fits their individual needs — and get reimbursed tax-free.
It’s a win-win:
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Employers manage costs with precision.
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Employees get freedom and personal choice.
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Everyone stays compliant under ACA rules.
We assist with:
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ICHRA design, implementation, and compliance
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Integration with payroll and HR systems
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Employee education and onboarding
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Ongoing support for claims and renewals
Strategic partners include: HealthSherpa, Stride Health, and major benefit administrators.
Book a Free Consultation to modernize your employee benefits strategy.
Annuities, Your Retirement Plans
Retirement should be predictable — not uncertain.
Annuities help individuals turn savings into a guaranteed stream of income, no matter how long they live.
At LA Castle Brokers Group, we demystify annuities — explaining how they protect your principal, grow tax-deferred, and provide income you can’t outlive.
Types We Work With
Fixed Annuities – Secure growth with guaranteed interest.
Indexed Annuities – Link growth to a market index, with no downside risk.
Income Riders – Add flexibility to start income when you choose.
We walk you through how each option fits into your overall retirement strategy — balancing safety, liquidity, and long-term income needs.
Our partnerships span some of the most respected names in the industry — allowing us to craft protection strategies built entirely around your needs, not a single company’s agenda.
Book a Free Consultation to plan your retirement income with confidence.
Why Families & Businesses Trust LA Castle Brokers Group
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Independent, family-owned agency with licensed advisors across multiple states
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Personalized, ethical guidance — no pressure, no hidden agendas
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Trusted partnerships with leading carriers like Aetna, Humana, UnitedHealthcare, and Blue Cross Blue Shield
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Proven expertise in ACA, Medicare, Life, and Employee Benefits
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Bilingual support and ongoing client service year-round