You protect so many others...
Get the Life Insurance Designed to Protect You & Your Family!

Ideal for Firefighters and First Responders, this specially designed life insurance can provide you and your family with tax-free income and benefits if you experience things like Severe Burns, Heart Attack, Cancer, Stroke and More... And Don't Die!

 

 
You protect so many others...
Get the Life Insurance Designed to Protect You & Your Family!

Ideal for firefighters & first responders, this specially designed life insurance will provide you and your family with benefits if you experience things like Severe Burns, Heart Attack, Cancer, Stroke and More... And Don't Die!

With everything else on your plate, let us help you find the coverage that is tailored to the unique hazards of your occupation

From the Desks of Kara & Mike Stewart

"Did you know that you don't have to die to use your life insurance? 

As weird as that may sound, that's one of the most common misconceptions people have!

For example, let's say you experience a serious illness or injury such as severe burns (you run in and out of fire every day!), a heart attack, a stroke, or are diagnosed with cancer...

And you DON'T die...

That can be expensive! 

Not only are you out of work, but the medical bills can pile up FAST.

That's where we come in. 

Having been in the financial services industry for decades, we know the unique needs of your profession, and we have made it our passion to worry about your finances so you don't have to!

And a major part of that can be having the right life insurance.

Thanks to unique partnerships we have formed with insurance carriers nationwide, we have access to policies that can specifically address the dangers and risks you face daily.

And these policies are not any more expensive for you than they would be for anyone else!

So when you're ready, click on the button below and we will help answer your questions, and help you on your journey to financial peace of mind.

We look forward to hearing from you!"

Yours truly, 

Kara & Mike Stewart

Your Life Insurance Policy Should Cover You for the Following, IN ADDITION to Providing a Death Benefit...
  • Severe Burns
  • ​Heart Attack 
  • ​Cancer 
  • ​Stroke 
  • ​Chronic Illness
  • ​Major Organ Transplant
  • ​Traumatic Brain Injury
  • ​Cognitive Impairment
  • ​ALS (Lou Gehrig's Disease)
  • ​Aorta Graft Surgery
  • ​Aplastic Anemia
  • ​Blindness
  • ​Cystic Fibrosis
  • ​End Stage Renal Failure
  • ​Heart Valve Replacement
  • ​Motor Neuron Disease
  • ​Sudden Cardiac Arrest
  • ​And More!

"Coming together is a beginning, staying together is progress, and working together is SUCCESS"  -Henry Ford

"She solved this short-term need and more..."
Perry Platus
Retired Santa Rosa PD
"With a year left before my retirement, I was looking for a one year term policy as I was worried that heaven forbid something happened to me, my family wouldn't benefit from the pension I had worked my entire career for. 

Kara took the time to understand my overall financial situation and not only solved this short-term need, she recommended a better option that gave me tax-free growth with supplemental tax-free retirement income if I live a long healthy life. Needing to offset taxable income and capital gains or if I got sick along the way with ultimate protection for my family.

During the recent market correction, when the S&P 500 was down >30%, she reached out to assure me that not only has my investment locked in and protected precious gains, I hadn't lost $1! 

This was no surprise to me, as Kara is a great advisor
"I have a clear picture of my short, intermediate and long-term goals..."
Kevin Lew
Fire Appuratus Engineer
Sonoma County Fire District
"My wife and I have two small kids. I am grateful I spoke with Kara in planning for their college savings, as she showed me an alternative, more attractive option than the typical 529 plan. 

She also introduced me to the ability to supplement my CalPers 457 plan with future tax-free income. 

I have a clear picture of my short, intermediate and long-term goals with current and future tax savings!"
"...retirement solutions beyond my normal Service Retirement..."
Jack W. Thomas
Fire Captain
City of Santa Rosa Fire Department
“As my wife and I prepare for retirement, we have had the sincere pleasure of working with Kara to develop additional retirement solutions, beyond my normal Service Retirement. 

Our unique plan, quarterbacked by Kara, contains strategic financial scenarios that will reduce our tax obligation, protect our assets from the ongoing market volatility, and implement an Index Universal Life insurance policy tailored to meet our unique and changing needs. 

Kara has been very informative, professional, and attentive to our current financial situation and we look forward to continuing to work with her in the future.

Thank you for everything, Kara!”

Think Your Life Insurance May Already Have These Benefits, But Aren't Sure?

About Us...

"One of my core passions in life has always been to help those in need. 

Following this passion, I was fortunate to be able to work as a firefighter for 20 years before having to medically retire. 

Wanting to continue to help people deal with emergencies, I found my way into insurance, where I  now help people pre-plan for the worst by protecting their assets before an emergency.

I look forward to working with you to help protect the things and people you love most!"

-Mike Stewart

"Ever since I was young, helping others has been a core element of who I am. Whether it was helping out my own family around the house or doing things around the community that I love (born and raised in Sonoma County!), a passion of serving others has influenced many of my decisions.

So, after marrying my high school sweetheart, I realized that I wouldn’t ever be satisfied unless I pursued a career that not only allowed me to use my unique talents, but truly helped others achieve THEIR goals as well. 

Which is when I discovered and fell in love with the art of financial planning. 

For years now, I have made it my mission to worry about your finances, so you don’t have to! And a major part of that can be insurance coverage.

Insurance is one of those things that is often forgotten about until it's needed... like what we have seen recently with the fires around our beautiful county. 

That's why I want to help you make sure that you are properly protected without having to struggle through the hours it can take to research terms, definitions, companies, and the many other nuances that can play a role in proper financial security... at no cost to you.

While I specialize in many areas of the financial world, I am not a jack of all trades. To make sure you get the care and service you deserve, I have brought in other financial experts to help me in making sure you are properly protected. 

Feel free to click on any of the links on this page, or you can simply click the button below to schedule a discovery call to see how we can help you.

I look forward to hearing from you!"

-Kara Stewart, CLTC

Don't Overpay AND Have Fewer Benefits
Let us worry about your life insurance so you don't have to.
Contact Kara M. Stewart, CLTC Directly At: 
 (707) 974-8707
 kstewart@focus-ins.com
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