Personal Insurance



At David Ernstam Financial and Insurance Services, Inc., we help our clients take control of their medical and life insurance spending by finding the best plan for them and their dependents. We are serving Northern California cities such as: Yuba City, Marysville, Gridley, Colusa, Oroville, Olivehurst, Wheatland, Roseville and Sacramento.




Personal Insurance Products


Health Insurance

With the Health Care Reform changes, it is important to find affordable, quality medical insurance. Families are being left with medical bills and drugs they can’t afford. All of our agents have become Covered CA certified and are able to provide you with the knowledge you need to shop for health insurance in the Covered California market place.


Dental Insurance

Not only is a great smile beautiful, but also healthy. Your mouth is a gateway to the rest of your body and can enhance or diminish your health. Everyday, substances enter your body through your mouth and wear it down. Neglecting your dental needs can be an expensive pain. Contact us to explore your options.




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 sound financial plan.


Medicare Insurance

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.




Travel Insurance

Travel insurance can minimize the considerable financial risks of traveling: accidents, illness,  emergency evacuation, and much more.Travel insurance offers peace of mind when you are traveling out of country. If a medical emergency happens, you are covered.


Medicare Part D

Part D is a prescription drug benefit program that was created through the U.S. Medicare Prescription Drug, Improvement, and Modernization Act of 2003. The “D” stands for “drugs”. The program gives Medicare recipients these basic choices: stay in traditional Medicare without signing up for the prescription drug benefit outlined in the Act, stay in traditional Medicare and enroll in a Medicare drug plan, enroll in other Medicare plans, or enroll in a comprehensive private health plan (which may or may not cover prescription costs).


Disability Insurance

Whether you are self-employed, own a business or want to supplement your employer's benefits, individual disability insurance can provide a vital source of income if you become disabled and cannot work.