Lower Your Debt or Protect Your Family
Trusted, Veteran-Owned Insurance & Financial Services on the Central Coast
100% Private & Secure Consultation
Veteran-Owned & Operated
5-Star Rated by California Clients
No-Obligation, Free Financial Review
Choose the Help You Need Today
Debt Consolidation
📌 Key Benefits
💰 Build Cash Value: Policy accumulates guaranteed value over time.
🏦 Borrow on Your Terms: Use your cash value to pay off loans or make major purchases.
🔁 Recapture Interest: Interest payments go back to your policy — not the banks.
🔐 Control & Flexibility: You set repayment terms, while your policy continues to grow.
Term Life Insurance
Term Life Insurance helps protect your family’s future — without breaking the bank.
🛡️ Coverage When You Need It: Choose from 10, 20, or 30 years of protection.
💸 Affordable Monthly Rates: Simple coverage that fits your family’s budget.
📈 Pays When It Matters Most: Tax-free benefit to cover mortgage, education, and daily expenses.
🕒 Quick Approval: Apply in minutes with no pressure and no obligation.
Final Expense Insurance
Final Expense Insurance covers funeral and end-of-life costs — so your family doesn’t have to.
⚰️ Covers Funeral & Burial Costs Help pay for services, headstones, caskets, and memorials.
💳 Pays Medical & Legal Expenses Ease the burden of unexpected hospital bills and paperwork.
💼 Fast Payout to Your Beneficiaries Funds go directly to your loved ones — no delays or red tape.
💰 Affordable Monthly Premiums Designed for people aged 50–85 with no medical exam required.
Why Choose Lineage?
- Veteran-Owned • Local to California’s Central Coast
- Licensed & Experienced in Life Insurance & Financial Planning
- Financial Planning by Licensed professional
- Friendly, Judgment-Free Support
At Lineage Insurance Services, we combine real-world experience with a deep commitment to our community. As a veteran-owned business rooted in California’s Central Coast, we understand the value of trust, transparency, and service. With licensed expertise in insurance and financial planning, we’ve helped countless families and individuals gain clarity, control, and confidence over their financial future. Our approach is simple — honest guidance, judgment-free support, and solutions tailored to your real-life goals. Let us be the partner you can count on for long-term peace of mind.
Meet Your Financial Advocate
With over a decade of experience in the financial and insurance industry, Michael brings a hands-on, client-first approach rooted in service, trust, and clarity. As a proud veteran and a resident of California’s Central Coast, he understands the unique financial challenges that families face — and he’s here to guide you with no-pressure, judgment-free support. Whether you're looking to consolidate your debts or secure your family's future with affordable term life insurance, Michael’s approach is built around one principle: making financial protection simple, personal, and accessible. My mission is to help families and individuals gain financial peace of mind with honest, affordable solutions.
Drowning in Debt? Let’s Simplify It
Tired of Debt? Discover a Smarter, Long-Term Solution.
Participating Whole Life Insurance lets you become your own banker using the Infinite Banking Concept (IBC). Pay off debt, grow savings, and build lasting security — all at once.
💰 Build Cash Value
🏦 Borrow on Your Terms
🔁 Recapture Interest
🔐 Control & Flexibility
Protect What Matters Most — Affordably
Affordable Peace of Mind for Your Loved Ones.
Term Life Insurance helps protect your family’s future — without breaking the bank.
- 🛡️ Coverage When You Need It
- 💸 Affordable Monthly Rates
- 📈 Pays When It Matters Most
🕒 Quick Approval
How It Works (3-Step Process)
Schedule a Free Call
📅 Choose a time that works for you using our online calendar — no back-and-forth emails or phone tag. Whether you’re just curious or ready to take action, this first step is 100% free and commitment-free.
Review Your Situation
🤝 In a relaxed Zoom call, Michael will ask a few simple questions to understand your financial picture. No sales pressure, no judgment — just a friendly conversation to see how we can help.
Provide a Clear Plan
📃 Based on your needs and budget, we’ll build a straightforward, personalized plan — whether it’s reducing debt or protecting your family with term life insurance. You’ll get real clarity, not confusion.
No pressure, no obligation — just expert advice tailored to you.
Trusted by Families Across California
