From Medicare to life insurance and retirement income — one independent agent, plain-language guidance, no pressure and no jargon.
Medicare is my focus right now — but I'm appointed and ready across these lines. One agent for your coverage as life changes.
Turning 65, reviewing your Advantage or Supplement plan, or sorting out prescriptions and doctors. Includes a side-by-side 2027 plan comparison for San Diego.
Visit the Medicare center →Term and permanent coverage to protect the people who count on you — sized to your budget, not a sales quota.
Ask about options →Turn savings into reliable retirement income with fixed and indexed options from highly rated carriers.
Ask about options →Lifelong coverage with cash value tied to market indexes — protection plus a tax-advantaged accumulation strategy.
Ask about options →Dental coverage without the health-plan bundle — for individuals, families, and seniors who want their own dentist.
Ask about options →New lines added as PAJ Group grows.
Three reasons clients stay.
I work with many carriers. My recommendations aren't tied to one company — they start from your doctors, prescriptions, and budget.
Medicare today, life insurance tomorrow. Your coverage can grow with you instead of starting over with someone new each time.
Insurance is confusing enough. You'll get clear explanations and honest comparisons — you decide if and when to move.
I'm an independent insurance agent based in San Diego. I started PAJ Group to give people the kind of guidance I wanted for my own family — patient, honest, and free of sales pressure. Medicare is my specialty; life, annuities, and retirement planning round out the picture.
Call (858) 310-9355A short conversation can usually sort out what matters most. No forms, no obligation.