About Us

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NAIFA’s National Quality Award Winner

Issued by NAIFA

Recipients of NAIFA’s National Quality Award Winner receive the mark of distinction in one of four practice management areas: life insurance, multiline, financial advising, and/or health and employee benefits. The award is given based on a combination of production levels that supports client retention and client care standards. Financial advisors and insurance agents can qualify in more than one category. Many recipients proudly have won the NQA for decades and reapply each year.

Badges are awarded on an annual basis to recognize the previous year’s production and client care levels. Four different applications are available for each practice area: life insurance, multiline, financial advising, and health and employee benefits. Individuals have either submitted their application, or a company has deemed a set number of advisors as having met the criteria and submitted on behalf of their advisors.

Standards

NAIFA’s Life Underwriter Training Council Fellow

LUTCF® Designation Program – often considered the first designation any insurance professional should earn – has delivered value to more than 70,000 professionals since 1984. When you earn the LUTCF® designation, you gain critical prospecting, selling, and practice management skills.

NAIFA’s Life and Annuities Certified Professional

FINRA-list and fully accredited, NAIFA’s Life and Annuities Certified Professional showcases an advisors’ knowledge in utilizing life insurance and annuities in financial planning. Advisors holding the LACP are proudly listed in the official LACP database and once the exam is passed, the LACP is a renewable certification every three years.

Financial Security Advocate

Issued by NAIFA

NAIFA offers a three-level course series to train members in grassroots advocacy. Beginning with the basics of meeting with legislators through growing relationships and even running for office, the course prepares NAIFA members to develop relationships with elected and appointed officials to discuss topics and legislation pertinent to their financial services business and that may affect the clients that they serve. Completing the course grants the Financial Security Advocate badge.

Skills

If you are looking for a new way to complete your annual Medicare Advantage training, NAHU should be your first stop.

Our Story

Our Agency is national insurance advisory firm focussed on protecting clients from risk and informing them of options available in the current insurance market. We strive to deliver peace of mind to clients as we help them insure their families, businesses, fund estate plans and pursue their philanthropic interests. Our innovative team is recognized in the insurance industry and staffed with excellent trained Agents of high integrity.

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Individual and Family Health Insurance with Federal Subsidies

Affordable individual & family HMO, PPO, EPO, HSA health
insurance plans.

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Individual and Family Health Insurance without Federal Subsidies

We have a large variety of low cost Individual & Family HMO or PPO plans on the private market.

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Affordable Dental Insurance Plans

A health smile starts here with low premiums and great
coverage.

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Life Insurance Plans for Individuals

Compare rates for Individual
Life Insurance
Plans.

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We’ve Located 50+ Health Plans and Discounts Near You

8 Gold Plans

  • Higher premiums/copays
  • In network doctors
  • 80% of services covered

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5 Short Term Plans

  • Low monthly rates
  • No enrollment period
  • Next day coverage

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13 Silver Plans

  • Moderate premiums/copays
  • In network doctors
  • 70% of services covered

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5 PPO Plans

  • Higher out-of-pocket costs
  • Your choice of providers
  • Varying % of services covered

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11 Bronze Plans

  • Low premiums/copays
  • In network doctors
  • 60% of services covered

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4 HMO Plans

  • Low premiums/copays
  • In network doctors
  • 100% of services covered

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Covered California

We assist individuals and employers in determining which insurance plan is appropriate based on their budget and needs. Furthermore, we help each client determine their most accurate current income that will determine the proper Tax Credits to help pay their insurance premium. We present each client with plan options from a range of coverage and insurers and enroll them into a plan.

Question: Can I insure my 23 year old daughter?

Yes: If your daughter is listed as a dependant on your tax return and does not file her own taxes.

Question: What does the Affordable Care Act require of me?

The Affordable Care Act is also known as Obamacare. People who fill out a Federal Income Tax form MUST maintain health insurance for themselves and their dependents. Those who don’t will pay a fine.

Question: What if I can’t afford health insurance?

Individuals and families whose income falls below the level set by the Federal Government will be insured with Medi-Cal.If you are not sure if you qualify for Medi-Cal, call us and we will let you know.>

“Insurance Agents You Can Rely On.”

Optimized Financial and Insurance Services has served the community for over a decade, bringing Southern California a refreshing, common sense approach to the valued products of Health & Life insurance.Optimized Financial and Insurance Services “Client First” attitude and broad knowledge across Health & Life products gives each client a tailored portfolio of the highest quality, including Health and Accident Insurance, Medicare, Final Expense and Life Insurance, as well as Long Term Care.

We make insurance easy to understand and easy to apply.

Get a personalized advice on your insurance solution by talking to one of our agents today. We have licensed experts standing by:

Robert Hendz

Insurance Agent

Loreen James

Insurance Agent

Mike Brenson

Insurance Agent

Brett Slater

Insurance Agent

A Few Major Carriers We Represent

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Contact Info

Optimized Financial and Insurance Services

PO Box 226752
Los Angeles, CA 90022.

Call: (323) 833-9582

Fax: (213) 476-1911

Email: jrodriguezjr@ofisinsurance.com

CA License# 6001675