Andrews Financial Services LLC
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Our mission and objective is to provide you the very best service in many areas of planning.
11/11/2025
What the repeal means:
California removed the 20-hour prelicensing course (effective Jan 1, 2026) but still requires passing the state exam, fingerprints, and 12 hours of Ethics & CA Insurance Code before licensure.
Impact on new agents:
Lower entry cost/time ≠ better preparation.
In an environment where many agencies emphasize recruiting and product scripts over real education, baseline competence will likely decline. Agents may pass the test yet miss depth in policy mechanics, suitability, and California specific rules. The burden shifts to carriers/agencies with rigorous training and to self-driven agents to pursue credible, comprehensive education beyond the minimum or risk weaker client outcomes and higher compliance exposure.
What consumers should know:
Titles and taglines aren’t a proxy for expertise. We encourage consumers to ask agents about their training beyond licensure (policy design, suitability, tax coordination, and CA regulations) and how recommendations are vetted. The best advisors and agency’s will welcome those questions and answer them with substance.
🔊 The dial-up sound you’re hearing.
That’s the sound of outdated coverage failing to keep pace with modern risk.
For over two decades, policies with Living Benefits have existed, empowering policyholders to access their death benefit while living through events like heart attack, stroke, or cancer, as well as Chronic Illness. Yet many are still being sold coverage that lacks these provisions. This isn’t innovation, it’s inertia.
“Buy Term and Invest the Difference” was a compelling theory in its time. But today, efficiency without access is a liability.
This isn’t about nostalgia. It’s about strategic foresight.
If your policy is still operating on a death, or Terminal illness only trigger, you're not covered. You're exposed.
If youre in California 📲 Message us or call 1-800-882-6920.
Let’s align your protection with the times.
06/24/2025
I recently sat with a group of captive life agents. Hardworking folks—but limited. Their policies only pay out at death or if the client is terminal. That’s it.
I told them: you’re still in the sandbox.
If someone tells you to “only buy term insurance,” make sure it’s the right kind—the updated kind with Living Benefits. That means you can access a portion of your death benefit while you’re still alive after a heart attack, stroke, cancer, ALS, and more.
If your agent can’t offer that, you’re not truly covered—you’re simply hoping nothing goes wrong.
And unfortunately, even after learning this truth, some of those agents still chose to keep offering outdated coverage.
06/18/2025
What if everything you knew about life insurance… was wrong?
What if what you believed was protecting your future… is outdated?
What if the advice you trusted… was built on half-truths?
Most people don’t realize they’ve been misled until it’s too late.
So here’s the real question: If you were wrong… when would you want to find out?
We’re not here to argue.
We’re here to wake you up.
👉 Tap in. Ask questions. Rethink what you think you know.
05/06/2025
If you’ve been denied life insurance before, that doesn’t mean it’s over.
We help people every day get approved — no medical exam, no stress.
Let’s get your family protected, starting today.
📞 1-800-882-6920 | AndrewsFinancialServices.com.
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Address
Alameda, CA
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
