Make sure your family has Health Insurance


Create a sound financial plan with Life Insurance


Protect Your Most Valuable Assets


Find the best plan for you!



For over 30 years, David Ernstam Financial & Insurance Services, Inc. has quietly earned a reputation for quality service, integrity and innovation to provide you with personalized insurance products.



Customer Service

We strive to go above and beyond when it comes to customer service. Our agents make sure that the customer is 100% satisfied with our services! We use our knowledge and work ethic to be consistent in providing the same high level of service every time.



Work Ethic

We work hard for our customers. Our staff will see problems through to its resolution. We stay focused on the customers goal to achieve their insurance needs.




Our office aims to be a reliable partner to all businesses and individuals. We have a strong sense of duty and and responsibility to provide satisfaction to all of our customers. We look for the opportunity to grow relationships based on the foundation of our integrity and sincerity




We have a passion for finding the best insurance products for your business and/or your family. We are naturally invested in your goal and making sure you reach it.

Featured Services


Medicare Supplement (Med Sup, Medigap)

Medigap is a Medicare Supplement Insurance policy that can cover some of the costs that Original Medicare doesn’t, such as deductibles, coinsurance and copayments. In order to receive Medigap coverage you must currently have Medicare Part A and Part B.


Individual Life Insurance

Life insurance protection comes in many forms, and not all policies are created the same way. As we grow older, get married, build families and start businesses, we begin to realize that life insurance is a key part of having a solid financial plan. If your loved ones depend on your financial support for their livelihood, then life insurance is a necessity, because it supports your family if something happens to you.


Employee Benefits

The changes that come with the Affordable Care Act have created complexities in Employee Benefit Programs, therefore the need for a strategic partnership with an Employee Benefits Agency has become extremely important.  At David Ernstam Financial & Insurance Services, Inc. we understand the value of this partnership.  We approach each client in consultative manner to thoroughly understand your needs and the unique challenges you face.  Our first objective is to better guide you through the process of designing your employee benefits program and effectively communicating these details to your employees.

Surprise Date Night ... See MoreSee Less
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Vaughn MercuryWe needed to give a power point presentation to a client and of course we are great Insurance agents, but not great at creating power point slides. Marni at the Yuba-Sutter Chamber of Commerce recommended Michael from Vaughn Mercury. He did a beautiful job on the slides and was fast. Its great to know that we have amazing resources right in our own town.Thanks again Michael for your excellence and cant wait for you to redo our website. ... See MoreSee Less
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We have a new group insurance product that can potentially save CPAs, Banks, and other financial institutions money on their employee benefit health insurance expenses every month. Give us a call to talk about this NEW option! 530-751-1212 ... See MoreSee Less
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Why choose us

Over the past 30 years all lines of insurance have changed. We have learned and adjusted for these changes every year by innovating the way we run our business. This has provided us with the understanding of how the industry works and how we can service our clients better than any other agency. 
Our Goal is to provide you with every option available so that you can make an educated decision about your purchase.
We are not the largest Health Insurance Agency in Yuba City because we sell. We provide you with the information/data you are looking for to make the best decision for your family or business with no pressure to make the purchase. If we can't help you, then we will find someone else that can!
David is  Patient Protection and Affordable Care Act (PPACA) certified while our other staff has gone through many other certifications to understand this new law.
We are happy to say that we have done more enrollments in Covered CA then any other agency or agent in Yuba and Sutter County. were the first five agents to be certified in Sutter and Yuba Counties. We were also some of the first agents to become Covered California certified in the state of California. We strive to be proficient when it comes to the ACA (Affordable Care Act) and finding health insurance for you.

Health Care Reform (Obamacare / Covered California) Video

On March 24, 2010 President Obama signed into law H.R. 3590, the Patient Protection Affordable Care Act (PPACA). One week later, on March 30, 2010, the President signed into law H.R. 4872, the Health Care and Education Reconciliation Act of 2010, making numerous changes to the PPACA. Together, these two laws complete Congress’s current efforts to enact comprehensive health care reform in the United States.

Much like the health care system it seeks to reform, the PPACA is large and complex. It is critical to understand the requirements and opportunities presented by the new law in order to address immediate priorities while formulating long-term strategies.