Looking Backwards On a Satisfying Career And
Going Forward Into the New Frontier Of Insurance
Based in Beverly Hills, I serve all of California and the entire United States. I started my insurance career in 1980 after studying advertising and public relations in college. My goal was to become a copywriter and eventually became an underwriter when I was offered an opportunity to sell insurance.
Many of my clients have been with me throughout my entire career. I have developed wonderful relationships and have watched them succeed in their careers and businesses, seen their children grow and shared in their happiness with their families.
There have been many changes since 1980. I look back on life insurance rate books used to calculate by hand cash values, dividends and premium rates to two-week turn-around-time for proposals by mail, not email. Your state of the art computer looked like a banker’s box. Floppy disks backed up your entire world. Microsoft was started but who had heard of word processing when your letters were typed with an IBM Selectric II correcting typewriter. Copiers were replacing carbon paper and mimeograph machines. There were no fax machines, pagers were coming into vogue, and what was the internet or a cell phone?
“The Flinstones Meet The Jetsons”
It was like the Stone Age when you consider the fast-paced, disruptive, transformational, technology-driven world of Google, artificial intelligence, quick information, screens, texting, and the constantly changing business of insurance with online applications and e-policy deliveries all at the click of a button. The world may be changing at supersonic speed, but the need for life, disability, critical illness, and long-term care planning are as important to you as they have ever been. Why? Sadly people die every day, become disabled at a much higher rate during their earning years than die, are diagnosed with dreaded illnesses and survive, and as we live longer more and more people need long-term care services.
I have seen and learned throughout my career that it is always easier to budget a premium for an insured solution with the financial protection and peace-of-mind that only insurance provides. Rather than experiencing a financial tragedy and all of the other personal problems and family issues that occur when proper planning was not a priority. Remember “Go Fund Me” is not an insured solution.
Let’s talk and connect. We can meet at my office, your office and I still make house calls. However, as more and more business is conducted by phone, screens and the internet. What works best for you? Works best for me.
COMPANIES & ASSOCIATIONS
THE INDEPENDENT DIFFERENCE means you benefit with many different options from many different insurance companies.



























James B., Real Estate Investor, Los Angeles, CA

Ed H., CPA, Los Angeles, CA, Client since 1991

Ed H., CPA, Los Angeles, CA, Client since 1991

Steve M., Podiatrist, Beverly Hills, CA, May 2015

Larry F., Real Estate Developer, Beverly Hills, CA

Jerry B., CPA, Valley Village, CA, June 2017

Dr. Bradley G., UPMC, Pittsburgh, PA, June 2017

Melvin M., Attorney, Beverly Hills, CA, June 2017

Marsha C., Nutritionist, April 2018

Richard G., Attorney, December 2018, Client since 1985

Edith and Apostolos L., May 2019

Quinn T., Austin, TX

Donna B., Newport Coast, CA, February 2022

Marc, during my twenty-eight years in the insurance business I dealt with hundreds of brokers like yourself but never did I enjoy the experience of working with any of them as much as you. You built your business on a foundation of honesty and personal service to your clients. Invariably, you tailored your thoughtful and creative insurance solutions directly to their needs and financial circumstances. Further, you invested a great deal of time and effort to become an expert in all of the product lines you marketed. Equally important, but not commonly found among agents in the life & health insurance business, you strove to master the ins and outs of the underwriting process. From experience, I can say that these attributes greatly benefited the applicants and insurance companies you represented over the years. It was clear that two guiding business principals were uppermost in your mind, namely your clients deserved your very best efforts on their behalf and insurance carriers needed full and complete disclosure during the application/underwriting process. It's hard to fully express how much I appreciated this during the many years that we worked together. I truly believe that our trusting relationship resulted in the best possible offers of coverage to those of your clients who had difficult health histories, financials, non-routine occupational issues, etc. In return, I and the companies that employed me benefited from high placement ratios, low claims experience, and excellent persistency. That's the way the brokerage business is supposed to work and I'll always be grateful that you chose to place your disability and LTC business with PL&A and UNUM.
Last, I'm thrilled to see that you're still going strong after 40 years of challenges in the ever changing world of insurance sales and marketing. It's clear to see that you derive great satisfaction from working in a business which is so vitally important to individuals, families, and businesses in our society. Marc, I wish you continued success and many more years of providing personal service to those who are so fortunate to have you as their insurance agent."
Trent M., Brokerage Manager, Los Angeles Provident Life & Accident and UNUM Offices