Unbeatable Savings
Superior Benefits

Welcome to Specular Financial, your one-stop shop for comparing and purchasing Medicare, health insurance, life insurance, and annuity products. Discover our comprehensive offerings on our Products Page or contact us today to learn how we can help you secure your financial future.

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We don't sell customer data to third parties

We don't sell your information.

Specular Financial is the agency you're looking for to provide you with top insurance and investment options.

We compare rates among America’s top companies

Blue Shield of CaliforniaColumbus Life InsuranceUnited American Insurance CompanyCovered CA State Exchange InsuranceKaiser Permanente Insurance for families, individuals, and small businessAnthem Blue Cross Blue Shield Insurance for Medicare as well as Individual and Family Health Insurance plans.
Western and Southern Financial GroupMolina HealthcareLincoln Financial Life Insurance, Long Term CareSharp Health PlanUnited Healthcare, Official Partner of the AARPCVS Aetna Health Insurance for Medicare as well as Individual and Family plans. Small business rates also available.
https://www.massmutual.com logohttps://www.alignmenthealth.comhttps://www.humana.com logohttps://www.nationwide.com logohttps://www.johnhancock.com logohttps://www.mutualofomaha.com logo
We are taking the insurance industry and breaking it down to its components so you understand the choices in front of you and can make the best decision for yourself and your familySpecular Financial will share its industry-insider knowledge with you.

Who We Are

Specializing in Medicare, Health Insurance, Life Insurance, and Annuities

At Specular Financial, our priority is to leverage our industry expertise to present you with tailored solutions that meet your unique needs. Our carefully selected portfolio includes a wide variety of Medicare, health insurance, life insurance, and annuity products.
We are committed to providing you with policies that align with your values and expectations, empowering you to make informed decisions to achieve your goals.
Visit our Frequently Asked Questions Page to discover why thousands have chosen us over our competition.

What We Offer

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Life Insurance

Turn “if” into “gift” — Life insurance is the most cost-efficient method to safeguard against life's uncertainties.

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Medicare & Health Insurance

Access the most comprehensive set of Medicare and health insurance products available in the market.

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Indexed Annuities

Benefit from the security of diversification combined with the guarantee of your capital.

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The Association for Financial Counseling and Planning Education logo. This accreditation is recognized by the U.S. military and is reputable.

All of our agents at Specular Financial are members of the AFCPE community. AFCPE focuses on financial counseling for the low middle-class to high middle-class clientele.

why Us

Advantages of Choosing Specular Financial Over the Insurance Companies' "Captive Agents"

We shop multiple companies to find you the best policy.

Piecing together the complicated puzzle of insurance and risk.

We can customize your policy to get a plan tailored to your needs.

We have done our research on the companies we represent.

We carefully research our portfolio of companies before selecting them and offering their policies to you.

A dollar coin to signify the potential gains and savings of Specular Financial's customers.

We save you money because we are not salaried employees of the insurance companies; we represent you.

Insuring against risk, making it possible to bring to life the dreams you envision for you and your loved ones.

Your privacy is important to us. We will never sell your data.

our promise

Your relationship with us doesn't end when you purchase a policy. We're here to support you throughout the duration of your coverage. By protecting yourself and your family with our policies, you've taken an important step. We promise to stand by you and provide the assistance you need when it matters most.

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