our services

David Ernstam Financial and Insurance Services, a full service insurance agency serving the protection needs of individuals and families across California since 1983. We help our clients take control of their medical and life insurance spending by finding the best plan for them and their dependents. Our commitment is to provide quality and affordable life and healthcare insurance to our clients.  We strive to give them the right information, resources, and access to the products of the industry’s largest insurance providers, to help them make the best choices for themselves and their loved ones. In keeping with our commitment, we also provide superior customer service to ensure that their purchase as well as their claims processing are handled smoothly and efficiently.


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.




Employee Benefits

The changes that come with the Affordable Care Act have created complexities in Employee Benefits Programs, therefore the need for a strategic partnership with an Employee Benefits Agency has become extremely important.


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).


Covered California is a Marketplace where Insurance Companies sell their individual health insurance products. Covered CA is not an insurance company. In this mall you can shop for health coverage for you and your family. Depending on your income, you and your family may qualify for subsidy to reduce your monthly premium. Covered CA is very difficult to use so make sure you contact us to help you explore your options. Our services are free!