The Team
持牌团队，专业分工A Licensed Team, Clear Roles
三位持牌人寿保险经纪，国语、粤语、英语、日语覆盖，为全美华人家庭提供保险与财务规划服务。Three licensed life insurance agents covering Mandarin, Cantonese, English, and Japanese, serving Chinese American families nationwide.
Kana
负责家庭需求分析与保单结构审核，就保障方案的条款、成本与权衡向客户逐项说明。以国语、英语、日语提供服务。Conducts family needs analysis and policy structure review, walking clients through contract terms, costs, and trade-offs item by item. Serves clients in Mandarin, English, and Japanese.
Regina
负责家庭需求分析与方案讲解，将保单结构、成本与权衡拆解为客户可逐条核对的内容。以国语、粤语、英语提供服务。Handles family needs analysis and plan presentation, breaking policy structure, cost, and trade-offs into terms clients can verify point by point. Serves clients in Mandarin, Cantonese, and English.
Vina
负责客户沟通与投保流程对接，确保各环节进度与文件说明清晰到位。以粤语、国语提供服务。Manages client communication and application process coordination, ensuring each step and every document is clearly explained. Serves clients in Cantonese and Mandarin.
Patrick
负责团队的技术系统、线上平台与内容运营。非持牌保险经纪，不参与保险产品的销售、推介或咨询。Responsible for the team's technical systems, online platform, and content operations. Not a licensed insurance agent; does not sell, solicit, or advise on insurance products.
Our Carrier
我们背后的承保公司The Carrier Behind Us
保单最终由承保保险公司出具并承担给付责任。我们只与财务实力经权威评级机构验证的公司合作。Policies are issued and guaranteed by the underwriting carrier. We work only with companies whose financial strength is verified by leading rating agencies.
National Life Group
我们的主要承保合作伙伴。National Life Group 由 National Life Insurance Company（1848年于佛蒙特州蒙彼利埃设立）及其关联公司组成，是全美历史最悠久的人寿保险机构之一，已持续经营超过 175 年。作为一家相互制（mutual）保险集团，公司由参与保单持有人共同拥有，而非外部股东。Our primary underwriting partner. National Life Group comprises National Life Insurance Company (chartered in Montpelier, Vermont in 1848) and its affiliates — one of the oldest life insurers in the United States, with over 175 years of continuous operation. As a mutual insurance group, it is owned by participating policyholders rather than outside shareholders.
- 1848年设立，逾175年经营历史
- A.M. Best A+（Superior）财务实力评级
- 相互制公司，由保单持有人共同拥有
- 全美指数型寿险销量第一（据 Wink, Inc. 市场统计）
- 产品覆盖全美50州及哥伦比亚特区
- Founded 1848, 175+ years of operation
- A.M. Best A+ (Superior) financial strength rating
- A mutual company, owned by policyholders
- #1 in U.S. indexed life sales (Wink, Inc. market data)
- Products available across all 50 states and D.C.
评级信息来自各评级机构公开发布，可能随时间调整；评级反映承保公司的财务实力，不代表对任何具体产品收益的保证。Ratings are published by the respective agencies and may change over time; they reflect the carrier's financial strength and are not a guarantee of any product's performance.
Nationwide
加州办公室，服务覆盖全美A California Office, Serving Families Nationwide
团队在洛杉矶设有办公室，并通过线上流程为全美各州的华人家庭提供人寿保险与财务规划服务。Our team works from a Los Angeles office and serves Chinese American families across the United States through an online process.
- 牌照Licensed三位持牌人寿保险经纪，牌照号列于上方成员卡与页脚，可在加州保险厅官网查询。Three licensed life insurance agents. License numbers appear on the cards above and in the footer, and can be looked up at the California Department of Insurance.
- 承保Carrier保单由承保保险公司出具并承担给付责任，其财务实力评级见本页上方。Policies are issued and backed by the underwriting carrier, whose financial strength ratings appear above on this page.
- 语言Language国语、粤语、英语、日语，保单文件中英文对照说明。Mandarin, Cantonese, English, and Japanese, with policy documents explained in both Chinese and English.
- 协作Coordination涉及税务与遗产的具体执行，与你的会计师或律师协作完成。Tax and estate execution is coordinated with your CPA or attorney.
洛杉矶办公室Los Angeles Office
City of Industry, CA 91748
面谈采用预约制。面对面服务覆盖大洛杉矶与橙县地区，其他州通过线上完成。Meetings by appointment; in-person across Greater LA & OC, online everywhere else.
电话（按语言选择）：Phone (choose by language):
Kana 415-400-6676（国语·英语·日语Mandarin·English·Japanese）
Regina 626-922-9766（国语·粤语·英语Mandarin·Cantonese·English）
Vina 626-693-6112（粤语·国语Cantonese·Mandarin）
先把数字算清楚，再谈方案Establish the Numbers First
一次免费的家庭需求分析，或一次免费的保单体检。约60分钟，你会拿到一份书面小结——是否需要配置产品，由你判断。A complimentary family needs analysis or policy review. About sixty minutes, and you leave with a written summary. Whether any product is warranted is your decision.
预约免费咨询Book a Consultation