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Insurance & Employee Benefits

Howard Financial & Insurance Services, Inc represents carriers available in the state of California including BlueShield, Blue Cross, Kaiser Permanente, HealthNet, PacifiCare, Cal Choice and AFLAC. Lance Howard Insurance Services has been in the industry since 1990, servicing counties throughout California.

Customer service is our top priority. We handle all on-site employee enrollment regardless of the number of enrollees. Any and all claim issues that arise with your employees are taken care of personally.

Other areas of specialty include:

  • Over-age Dependents
  • COBRA Conversion
  • Medicare Coverage
  • Dental Coverage
  • Short-term Disability
  • Long-term Disability

Insurance Plans For:

  • Health
  • Dental
  • Life
  • Vision