Unbeatable Savings
Superior Benefits

Welcome to Specular Financial, your one-stop shop for comparing and purchasing Medicare, health insurance, life insurance, and annuity products.
Feel free to explore our Products Page to view our high variety of offerings or contact us directly 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 California health plan logoColumbus Life InsuranceUnited American Insurance CompanyCoveredCA logoKaiser 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 Health Insurance plan logoLincoln Financial Life Insurance, Long Term CareSharp Health PlanUnited Healthcare Insurance company logoCVS Aetna Health Insurance for Medicare as well as Individual and Family plans. Small business rates also available.
https://www.massmutual.com logoAlignment health plan logoHumana health plan logoNationwide insurance company logojohn hancock insurance company logoMutual of Omaha insurance company 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

We compare policies from multiple companies to find the one that best fits your needs. As independent brokers, we work for you—not a single insurance provider—ensuring unbiased recommendations every time.

Piecing together the complicated puzzle of insurance and risk.

Our expertise enables us to tailor solutions that align product features with a variety of possible outcomes. We focus on how each feature can promote desired results or mitigate potential risks, ensuring strategies that are both effective and meaningful.

We have done our research on the companies we represent.

Our extensive portfolio includes a wide range of companies, allowing us to compare rates and features across numerous policies to find the best fit for you.

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

We save you money by working for you—not the insurance companies. As independent brokers, our focus is on representing your best interests.

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

Your privacy is our priority. We guarantee that your personal data will never be sold or shared with third parties.

our promise

At Specular Financial, we promise to uphold transparency, respect, and integrity in every interaction. We are committed to providing you with unbiased advice and access to carefully curated insurance and financial solutions that align with your goals.
You can trust us to put your priorities first, delivering personalized strategies backed by industry expertise and a dedication to your long-term success. Our focus on excellent customer service and ethical practices ensures you receive ongoing support without compromise. Your trust and well-being are at the heart of everything we do.

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