I'm here to help you explore your insurance options to find coverage that aligns with your individual needs and budget.
I’m passionate about helping individuals, families, and seniors protect what matters most — their life and health.
I provide honest guidance, dependable support, and practical solutions that promote long-term security and peace of mind through every stage of life.
Mia Khamnyvong
INSURANCE BROKER
CA LICENSE# 0F83052
Why choose me as your
Insurance Broker?
Life moves fast — and while we can't predict
what's ahead, we can prepare for it.
Whether you're starting a family, building your career, planning for retirement, or protecting your legacy, Life Insurance and Annuities can provide financial security. Health Insurance, Long Term Care and Medicare plans help ensure your health and finances are protected through every stage of life.
Insurance is more than just coverage — it's a promise to those
who matter most: your loved ones.
As a licensed insurance professional, I’m here to help you:
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Clearly understand your options
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Explore a range of Life, Health, Disability, Long-Term Care, and Medicare insurance options to find coverage that aligns with your individual needs and budget.
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Protect your family’s health and future with confidence
No pressure. No confusing terms. Just honest guidance and real solutions.
If you're ready to take the next step, I’d love to connect and create a plan that works for you.
MIA KHAMNYVONG
CA LICENSE# 0F83052
Benefits of Choosing Me
What can you expect working with me?
MIA KHAMNYVONG
CA LICENSE# 0F83052
Committed to Putting Clients First
Your needs are at the center of everything I do. As an insurance professional, I’m committed to building long-term relationships based on trust, transparency, and service. I take the time to understand what matters most to you — your health, your family, and your financial peace of mind — and I provide guidance that supports those priorities.
Ongoing Advocacy
for your best interest
Choosing the right insurance is just the beginning — I’m here for the long haul. As your trusted insurance advocate, I provide ongoing support to ensure your coverage continues to meet your needs as life changes. Whether it's reviewing your policies annually, helping you navigate claims, or adjusting coverage due to life events, my priority is protecting your well-being at every stage.
A Personal Approach You Can Trust
Every individual and family has unique needs — and that’s why I take a personal, client-focused approach to insurance. I take the time to listen, understand your goals, and explain your options clearly, without pressure or confusing jargon. Whether you're evaluating life insurance, health coverage, disability protection, or long-term care plans, I’m here to help you make informed decisions with confidence.
From our first conversation to ongoing support after enrollment, you’ll receive attentive service and reliable guidance every step of the way. My goal is to build lasting relationships based on trust, respect, and a genuine commitment to your well-being.
EXPLORE MY SERVICES
PERSONALIZED
CONSULTATION
Focused on Your Protection and Planning Needs Across Life Insurance, Fixed Annuities, Health Insurance, Long-Term Care, Medicare Advantage Plans, Medicare Supplement Plans and Prescription Drug Plans
MIA KHAMNYVONG
CA LICENSE# 0F83052
Life Insurance Isn’t One-Size-Fits-All
The Right Coverage will look different for everyone
TERM LIFE
Simple, affordable, and effective for covering financial risks during specific life stages.
Key Advantages of Term Life Insurance
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Lower Premiums (Biggest Draw)
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Compared to whole or universal life insurance, term life is much cheaper for the same coverage amount.
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You can get a high death benefit for a relatively small monthly premium.
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Pure Protection
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It’s straightforward: if you pass away during the policy term, your beneficiaries get the payout.
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No investment or cash value component, which keeps costs low and simple.
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Flexibility in Coverage Length
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You choose how long you want coverage (10, 20, 30 years, etc.).
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Perfect for aligning with major financial responsibilities like raising kids, paying off a mortgage, or covering college tuition.
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High Coverage Amounts
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Because it’s cheaper, you can often afford a much larger death benefit compared to permanent policies.
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Convertibility (on some policies)
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Many policies let you convert to permanent insurance later without a medical exam if your needs change.
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Peace of Mind for Specific Life Stages
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It’s ideal if you just want protection until your kids are grown, your debts are paid, or you reach retirement.
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SUITABLE FOR:
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Parents with young children
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People with large debts (like a mortgage)
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Anyone needing large coverage but on a budget
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Those who don’t need lifelong insurance
WHOLE LIFE
Lifelong coverage and a financial asset. While it’s more expensive than term life, it offers long-term value in ways that term doesn’t.
Best Features of a Whole Life Policy
1. Lifelong Coverage (Guaranteed)
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Coverage lasts your entire life—typically up to age 100 or 120—as long as premiums are paid.
2. Customizable Payment Options (Including Limited Pay)
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You can structure your policy to be fully paid up in 15, or 20 years, or by a certain age (65).
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Even after payments stop, the coverage continues for life, making it a great long-term asset with no ongoing cost.
3. Guaranteed Death Benefit
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Your beneficiaries receive a tax-free payout no matter when you pass away.
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It’s not affected by market conditions or your age at death.
4. Builds Cash Value
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Part of your premium goes into a cash value account that grows tax-deferred.
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Accessible for emergencies, retirement supplement, or other needs.
5. Fixed Premiums for Life (or Limited Pay)
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Your premiums are locked in and won’t increase.
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If you choose limited pay, you make higher payments for a shorter period—then never pay again.
6. Dividends (on Participating Policies)
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Mutual insurers pay annual dividends that you can:
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Reinvest to grow your policy
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Use to reduce premiums
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Take as cash
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7. Loan & Withdrawal Options
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Borrow against your cash value with no credit check or tax penalties.
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Loans are tax-free if the policy remains in force.
8. Living Benefits
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Use your policy while alive—access cash value for big purchases, medical needs, or retirement income.
9. Ideal for Estate Planning
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Helps cover estate taxes or leave a legacy to heirs or charity.
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A trusted tool for high-net-worth individuals or small business owners.
UNIVERSAL LIFE
The best thing about universal life is its flexibility — in both premiums and coverage.
It gives you the freedom to adapt your policy as your life and finances evolve — without sacrificing long-term coverage.
Unique Features
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FLEXIBLE PREMIUMS
You can increase, decrease, or sometimes skip payments (as long as there's enough cash value to cover policy costs).
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ADJUSTABLE DEATH BENEFIT
You can lower or raise (with underwriting) the death benefit , depending on your needs — for example, after kids are grown or mortgage is paid off.
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CASH VALUE WITH INTEREST
Earns interest based on current market rates (minimum guaranteed rate applies),
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LIFELONG COVERAGE As long as premiums are paid, Universal life can provide protection to age 100 or beyond — often to age 121.
MIA KHAMNYVONG
CA LICENSE# 0F83052
Health Insurance, Fixed Annuities, Long Term Care & Final Expense
When planning for a secure financial future, it’s important to consider a range of tools that can protect your health, income, and legacy. The following products are commonly used in retirement and estate planning, each serving a unique purpose in helping individuals and families manage risk and achieve peace of mind.
01
HEALTH INSURANCE
Health insurance provides coverage for medical expenses, helping individuals pay for doctor visits, hospital stays, prescription medications, and other healthcare needs. It is essential for protecting against high, unexpected healthcare costs and ensuring access to necessary medical services. Policies vary widely, and coverage can be obtained through employers, government programs, or private insurers.
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FIXED ANNUITIES
A fixed annuity is a financial product typically used for retirement planning. It involves a contract with an insurance company, where you invest a sum of money in exchange for a guaranteed stream of income over a set period or for life. Fixed annuities offer predictable, stable returns and can help manage longevity risk—ensuring you don’t outlive your income.
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LONG TERM CARE
Long-term care insurance helps cover the cost of services that assist with daily living activities, such as bathing, dressing, or eating—especially in cases of chronic illness, disability, or aging. Coverage can be used for care provided at home, in assisted living facilities, or nursing homes. It’s an important consideration, as traditional health insurance and Medicare typically do not cover extended long-term care.
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FINAL EXPENSE
Also known as burial or funeral insurance, final expense insurance is a type of life insurance designed to cover end-of-life costs such as funeral services, burial or cremation, and any outstanding medical or legal expenses. These policies are usually smaller in value and easier to qualify for, making them a popular option for individuals looking to ease the financial burden on their loved ones.
MIA KHAMNYVONG
CA LICENSE# 0F83052
Each of these products plays a role in a comprehensive financial strategy, providing protection and support during different stages of life. Consulting with a licensed insurance or financial professional can help you determine which options best fit your personal goals and circumstances.
MEDICARE
1
MEDICARE SUPPLEMENT
Also known as MEDIGAP. Offered by private insurance companies to help pay some of the out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. These plans work alongside Medicare Part A and Part B and do not include prescription drug coverage (Part D). Medicare Supplement plans are standardized and identified by letters (A–N), with each letter offering a different set of benefits.
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MEDICARE ADVANTAGE
Also known as Part C.
Offered by Medicare-approved private insurance companies and provide all benefits covered under Medicare Part A and Part B. Most plans include additional benefits such as prescription drug coverage, dental, vision, and hearing. Plan availability and benefits may vary by location.
3
PRESCRIPTION DRUG PLAN
Also known as Part D.
Helps cover the cost of prescription drugs and are offered by Medicare-approved private insurance companies. These plans can be added to Original Medicare, some Medicare Cost Plans, or Medicare Savings Account (MSA) Plans. Plan formularies, premiums, and copays may vary by plan and location.
MIA KHAMNYVONG
CA LICENSE# 0F83052
