About Murphy Insurance Solutions

We welcome you to our website and we thank all of our clients for the trust they have put in us. Murphy Insurance Solutions is a family owned California Insurance Agency that has been in business for 10 years. We specialize in providing individual attention to every one of our clients, whether we work with you now or will in the future. We want you to fully understand your options for Medical plans, Medicare Advantage or Supplements and Life Insurance so that you can make the best choice for yourself, family or Company. Our goal is to provide you the best solutions and back that up with superior customer service.

With Individual and Small Group health we are entering a new era based on the Affordable Health Care Act (ACA). All of our staff is Certified Covered California agents; their expertise provides you with the guidance to select the health plan that's the best fit. Health care reform has newly developed insurance networks which are narrower than we have ever seen before, which adds a new dimension to our service. In addition there are many who are now eligible for substantial subsidies for the purchase of health insurance. To do our job properly we need to understand your financial situation so that we can maximize your coverage at the lowest cost to you. This is ongoing since your premiums can rise and fall based on your income, and personalized evaluation and counseling is more important than ever.

With Medicare we have a special responsibility to fully understand another fast changing marketplace. With a 1000+ people a day in CA turning 65, the senior population is the fastest growing segment in our Country. We are dedicated to having the proper training and knowledge to obtain for you the best possible care at the most reasonable cost. We work with great insurance companies that provide Medicare Supplement and Medicare Advantage plans, and there are changes to those plans every year. We make it our business to let you know what new options are available each year, during open enrollment. We also provide advice and counseling on Long Term Care which could be the best investment you ever make. Ask us about Long Term Care insurance and we will explain and show you the benefits and costs.

Life Insurance is another part of our product line that is crucial in the lives of people. We work with all the major carriers to provide you with highly rated products and opportunities to purchase term, permanent and Indexed Universal Life (IUL). With Life Insurance plans you can invest with almost no risk. These are very volatile times where the stock market can soar for a few years and then lose it all in 6 months. With IUL products that cannot happen since there is no market downside risk.

And finally we have many carefully selected Ancillary products which fit specific needs. These include a wide range of dental products both PPO and HMO. Also we have excellent low cost short term insurance and travel insurance which have no open enrollment limitations. Another excellent add-on is individual and family accident plans which can cover the high deductibles of Medical insurance. We also have excellent life insurance plans with minimal underwriting and Cancer plans to protect you and your family from that dreaded disease. And we always are investigating new products for our clients. We welcome your calls and inquiries.

Kevin R Murphy, President