Business Details
Your Trusted Partner for Comprehensive Insurance Solutions
Elman Insurance Services specializes in providing tailored insurance solutions for successful executives, professionals, and business owners, focusing on protecting families, businesses, and estates. Our client-centered approach prioritizes problem-solving over product sales, ensuring expertise in life insurance, disability insurance, and special needs planning. Brad Elman, a UC Berkeley graduate with advanced designations (CLU, ChSNC, CLTC), leads our team, combining decades of experience with a commitment to ethical, transparent service.We merged with OneDigital Health and Wellness to enhance our resources, offering clients access to cutting-edge benefits analytics and compliance support. Our practice operates exclusively by referral, reflecting the trust of legal, financial, and community professionals who recognize our dedication to client welfare and industry leadership.
Services
Life Insurance
Disability Insurance
Special Needs Planning
Employee Benefits
Estate Planning
Highlights and features
- We take a client-centered, solutions-based approach focused on your needs, not product sales.
- Our team includes Brad Elman, a UC Berkeley graduate with 3 advanced insurance designations (CLU, ChSNC, CLTC).
- We merged with OneDigital Health and Wellness, offering access to cutting-edge benefits resources and analytics.
- 100% of our clients come through trusted referrals from legal, accounting, and financial professionals.
- Brad's 17-year volunteer commitment coaching special needs athletes demonstrates our values-driven approach.
Associations and certifications
- Chartered Special Needs Consultant (ChSNC)
- CLU (Chartered Life Underwriter)
- CLTC (Certified in Long Term Care)
Services
Life Insurance
We provide tailored life insurance solutions to protect families, businesses, and estates. Our expertise includes term and permanent policies, special needs trusts, and business succession planning. Clients benefit from strategic guidance on policy ownership, tax implications, and long-term financial security.
Disability Insurance
Our disability insurance services safeguard clients against income loss due to illness or injury. We combine individual and group policies to create cost-effective, comprehensive coverage, ensuring financial stability during recovery periods while addressing unique occupational risks.
Special Needs Planning
We specialize in insurance and financial planning for families with special needs dependents. Services include life insurance-funded trusts, caregiver support strategies, and coordination with legal and financial professionals to ensure lifelong care and asset protection.
Employee Benefits
Through our partnership with OneDigital Health and Wellness, we offer employer benefits solutions including health plans, retirement strategies, and compliance support. Our focus is on reducing costs while enhancing value for employees through data-driven benchmarking and analytics.
Estate Planning
Our estate planning services integrate insurance with legal structures to minimize tax liabilities and ensure seamless asset transfer. We collaborate with attorneys and CPAs to create holistic plans for high-net-worth individuals and business owners.
People
Brad Elman
Insurance Advisor
Brad Elman, a UC Berkeley graduate and Chartered Special Needs Consultant, has over 25 years of experience in insurance planning. He holds CLU, ChSNC, and CLTC designations and has spoken globally on financial best practices. Brad volunteers extensively, coaching special needs athletes for 17 years.
Questions
What types of insurance do you specialize in?
We specialize in life insurance, disability insurance, special needs planning, employee benefits, and estate planning for executives and families.
How do you approach special needs insurance planning?
We combine life insurance with special needs trusts while addressing immediate and long-term risks, ensuring caregivers and dependents are protected without compromising asset eligibility.
Are you affiliated with any insurance carriers?
We work independently and partner with multiple carriers to find policies that best meet your specific needs rather than pushing proprietary products.
How can businesses benefit from your services?
Through our partnership with OneDigital, we offer cost-effective employee benefits solutions, compliance support, and executive compensation planning tailored to business needs.
What makes your practice different from other agencies?
We operate exclusively by referral, maintain advanced industry certifications, and focus on holistic planning rather than product sales, ensuring unbiased, client-first advice.
