Business Details
37 Years
experience
Your Trusted Insurance Partner in Folsom
At Cornerstone Insurance Services, we prioritize your financial security by offering tailored insurance solutions designed to protect your greatest assetyou. With over three decades of experience since 1989, our team specializes in navigating complex insurance landscapes to provide personalized strategies for individuals and small businesses. Our expertise spans medical, dental, life, disability, and employee benefits coverage, ensuring clients receive comprehensive protection at competitive rates. We pride ourselves on transparency, ethical practices, and long-term client relationships built on trust. By partnering with multiple carriers, we deliver unbiased recommendations that align with your unique needs.Our commitment extends beyond policy placement, offering ongoing support for claims resolution and policy adjustments. Recognized for our responsiveness and industry knowledge, we serve as a reliable partner in safeguarding your financial future. Our clients consistently praise our ability to simplify insurance complexities while maintaining affordability. Whether you're self-employed or managing a small team, our goal is to provide peace of mind through customized coverage solutions.
Services
Self-Employed Medical Insurance
Dental and Vision Plans
Life and Disability Insurance
Employee Benefits Solutions
Health Savings Accounts
Details
- Year established: 1989
Highlights and features
- We offer 30+ years of insurance expertise since 1989
- Our personalized approach finds you the most affordable plans
- We provide ongoing support beyond policy placement
- No additional cost for our brokerage services
- We partner with multiple carriers for unbiased recommendations
What people say
Quick to respond
Knowledgeable about products
Finds lower-cost programs
Honest and ethical
Professional and caring
Services
Self-Employed Medical Insurance
We help self-employed individuals and families secure comprehensive medical insurance plans that comply with current regulations. Our services include comparing PPO, HMO, and HSA-compatible plans from major carriers like Anthem, Blue Shield, and Cigna. We specialize in navigating ACA requirements and finding cost-effective solutions that maintain pre-existing condition coverage while optimizing premium costs.
Dental and Vision Plans
Our dental and vision insurance solutions provide access to extensive provider networks while maintaining affordability. We offer PPO and indemnity plans from Delta Dental, Spirit Dental, and VSP that cover preventive care, major procedures, and orthodontic treatments. Our team helps clients evaluate network restrictions and out-of-pocket costs to find plans that balance coverage with budget considerations.
Life and Disability Insurance
We provide term, whole, and universal life insurance policies alongside disability income protection to safeguard financial stability. Our solutions protect against income loss from illness or injury while ensuring beneficiaries receive financial support in case of premature death. We help clients determine appropriate coverage amounts based on income replacement needs and estate planning goals.
Employee Benefits Solutions
We design comprehensive benefits packages for small businesses including health, dental, and life insurance options. Our services include group quote comparisons, HR platform integration, and compliance assistance with ACA requirements. We help employers attract talent through competitive benefits while maintaining cost control through multiple carrier options and no brokerage fees.
Health Savings Accounts
We assist clients in establishing and managing health savings accounts paired with high-deductible health plans. Our guidance covers contribution limits, investment options, and tax advantages while ensuring compliance with IRS regulations. We help clients maximize the benefits of HSA funds for current medical expenses and long-term retirement planning.
People
Dina D. Collins
Insurance Broker
With over 30 years of experience since 1989, Dina Collins specializes in creating customized insurance solutions for self-employed individuals and small businesses. Her expertise spans ACA compliance, health savings accounts, and multi-carrier comparisons to find cost-effective coverage. Clients consistently praise her responsiveness, ethical approach, and ability to simplify complex insurance concepts.
Questions
What insurance options are available for self-employed individuals?
We offer medical, dental, vision, life, and disability insurance tailored for self-employed professionals, including HSA-compatible plans and ACA-compliant options.
How can small businesses get competitive employee benefits?
We provide group health, dental, vision, and life insurance solutions with access to multiple carriers and no brokerage fees for employers.
Do you charge additional fees for brokerage services?
No, our services are free for clients as we receive commissions from insurance carriers upon policy placement.
How do you help with ACA/Obamacare compliance?
We guide clients through Covered CA marketplace requirements, tax credit eligibility, and SHOP exchange options for small businesses.
What support do you provide after policy purchase?
We offer ongoing claims assistance, policy adjustments, and direct communication with carriers to ensure continued coverage satisfaction.
