Business Details
10 Years
experience
Your Trusted Insurance & Financial Planning Partner in Pasadena, CA
At Premier Essence Insurance Services, we approach financial planning as a partnership rooted in trust and long-term commitment. Founded in 2016 by Cindy Wang and Andy Chang, our agency combines over 50 years of collective experience in the financial industry to deliver personalized insurance solutions. Our focus extends beyond products to comprehensive strategies that protect families and businesses while preserving lifestyles during retirement. We prioritize understanding individual client needs through direct communication, leveraging our expertise in life insurance, annuity planning, and commercial coverage. With deep local ties to Los Angeles County's communities including Arcadia, Rowland Heights, and Irvine, we maintain accessibility through multiple contact channels.Our licensing through the California Department of Insurance (Lic# 0L31442) reflects our adherence to professional standards. Cindy's 17-year banking background at institutions like Bank of America and HSBC, combined with Andy's 18-year tenure at East West Bank and HSBC, enables us to translate complex financial concepts into practical protections. We measure success by the security we help clients achieve rather than mere transactional metrics. With offices in Pasadena, we remain dedicated to evolving financial protections that align with changing life circumstances while maintaining the integrity and transparency that have defined our client relationships since inception.
Services
Life Insurance
Annuity Planning
Commercial Insurance
Business Owner Policy
Workers Compensation
Details
- Year established: 2016
Highlights and features
- We combine over 50 years of collective financial industry experience
- Our licensed professionals hold active California insurance licenses
- We specialize in personalized financial security strategies
- We maintain local expertise across Los Angeles County communities
- We prioritize direct client communication through multiple channels
Associations and certifications
- California Department of Insurance
Services
Life Insurance
We offer comprehensive life insurance solutions to protect loved ones and preserve financial legacies. Our policies help maintain household stability while providing death benefit protection tailored to individual needs. With expertise across major insurers, we help clients select coverage amounts and types that align with current obligations and future goals.
Annuity Planning
Our annuity planning services focus on creating guaranteed income streams for retirement. We analyze current savings, projected expenses, and risk tolerance to recommend deferred or immediate annuity products that complement overall retirement strategies. This includes both fixed and variable annuity options registered with appropriate financial institutions.
Commercial Insurance
We provide commercial insurance packages that protect businesses from liability claims, property damage, and operational disruptions. Our offerings include Business Owner Policies (BOP), commercial auto coverage, and workers compensation insurance meeting California regulatory requirements. Policies can be customized for specific industry needs and business sizes.
People
Cindy Wang
Co-Founder
With 17 years in banking at Bank of America and HSBC, Cindy specializes in understanding client financial needs. Her focus on relationship building ensures personalized service for insurance and retirement planning.
Andy Chang
Co-Founder
Andy brings 18 years of banking experience from East West Bank and HSBC. His international business background and customer-focused approach enable tailored financial protection strategies for individuals and businesses.
Questions
What types of insurance does Premier Essence offer?
We specialize in life insurance, annuity planning, and commercial insurance including Business Owner Policies, Commercial Packages, E&O, and Workers Compensation coverage.
How do you approach financial planning for retirement?
Our planning considers tax strategies, income sources, and lifestyle needs to maintain living standards during retirement, tailored to each client's unique circumstances.
Can you help small businesses with insurance needs?
Yes, we provide comprehensive commercial insurance solutions designed to protect businesses from unexpected events and support their long-term financial stability.
