Licensed in California · CA License #6019576
Life insurance, done with care.
Ridgemoor Insurance Servicesis an independent California life insurance agency helping families choose coverage that fits the way they actually live — without the pressure, the jargon, or the one-size-fits-all pitch.
15-minute first call. No obligation. Coverage subject to underwriting.
What we do
Four product lines. One careful conversation.
Most California families need one of four things. We’ll walk through them together and only recommend what actually fits your situation.
Final Expense
Smaller whole-life policies designed to cover funeral, burial, and end-of-life costs. Simplified underwriting and no exam for most applicants. Subject to underwriting.
Indexed Universal Life (IUL)
Permanent life insurance with cash-value growth linked to a stock market index, subject to caps and floors set by the carrier. A long-horizon planning tool that fits when the goals go beyond a simple death benefit.
Term Life
Straightforward coverage for a defined period — commonly 10, 20, or 30 years. The right fit for income replacement during peak earning and child-rearing years.
Annuities
Income-focused products for retirement planning. Fixed and indexed options to complement other retirement assets. Product features, suitability, and returns vary — we walk through each carefully before any recommendation.
Why an independent agent
The difference is whose side we’re actually on.
We shop, not sell.
An independent agent works for you, not a single carrier. That means we compare options across multiple companies and bring you the one that actually fits.
Underwriting fit, not best price.
The lowest illustrated premium is meaningless if a carrier will not issue your policy. We match your health and history to the carriers most likely to approve you.
Your agent for life, not the policy term.
Coverage needs change as families do. We are here for the policy review three years from now, not just the signature today.
How it works
Four steps, no surprises.
01
A 15-minute call
We start with a short conversation about your family, your goals, and the questions you have been sitting on. No sales pitch.
02
A personalized quote
We pull illustrations from the carriers that best match your health, age, and coverage needs — then walk you through what each one means.
03
Application & light underwriting
Most policies require only a short questionnaire. When a medical exam is needed, we handle the scheduling.
04
Coverage in days, not months
Many policies issue within days. We stay with you through the placement process and into the years after.
The agent
York Hanna
California-licensed life insurance agent
About York Hanna.
York Hanna is a California-licensed life insurance agent helping Californiafamilies plan for the unexpected. He works with clients one-on-one to choose coverage that fits the way their lives are actually shaped — not the way a single carrier’s product list would prefer.
The work is plain-language and unhurried. Clients should leave every conversation knowing more than they did when they started, and feeling less pressure, not more.
- License
- CA #4547340
- NPN
- 22211954
- Based in
- El Cajon, CA
Get in touch
Start with a conversation.
Call directly, or send a message and we’ll get back within one business day.