Unbeatable Savings
Superior Benefits

Specular Financial is a one-stop-shop for comparing and purchasing Medicare, health insurance, life insurance, and annuity products. Please see our Products Page to see our offering or contact us to learn more.

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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 CaliforniaColumbus Life InsuranceUnited American Insurance CompanyCovered CA State Exchange InsuranceKaiser 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 HealthcareLincoln Financial Life Insurance, Long Term CareSharp Health PlanUnited Healthcare, Official Partner of the AARPCVS Aetna Health Insurance for Medicare as well as Individual and Family plans. Small business rates also available.
https://www.massmutual.com logohttps://www.alignmenthealth.comhttps://www.humana.com logohttps://www.nationwide.com logohttps://www.johnhancock.com logohttps://www.mutualofomaha.com 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

We Specialize in Medicare, Health Insurance, Life Insurance, and Annuities

Our priority is to use our industry-insider knowledge to present you with a selection of tailored solutions to choose from.
Our hand-picked portfolio of products include a wide variety of Medicare, health insurance, life insurance, and select annuity products. You will learn about a collection of policies that meet your values and expectations, so you can make the best decision to meet your stated goals and objectives.
Please visit our Frequently Asked Questions Page to see why thousands of people have picked us over our competition.

What We Offer

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Life Insurance

Turn if, to gift— Life insurance is the most cost-efficient method to combat the eventualities of life.

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Medicare & Health Insurance

Get the most comprehensive set of Medicare and health insurance products available in the market.

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Indexed Annuities

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 Over the Insurance Companies' "Captive Agents"

We shop multiple companies to find you the best policy.

Piecing together the complicated puzzle of insurance and risk.

We can customize your policy to get a plan tailored to your needs.

We have done our research on the companies we represent.

We carefully research our portfolio of companies before selecting them and offering their policies to you.

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

We save you money because we are not salaried employees of the insurance companies; we represent you.

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

Your privacy is important to us. We will never sell your data.

our promise

Your relationship with our organization does not end at policy purchase. We are here to support you throughout the duration of your policy. You did your part by protecting yourself as well as your family with a policy; we will step up and support you when you need it most.

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