Business Details
Your Trusted Partner for Financial Security Solutions
At Present Financial, we empower clients to build secure financial futures through trusted strategies designed to protect, grow, and preserve wealth. Our team of experienced advisors delivers personalized solutions backed by industry-leading expertise, prioritizing open communication, dependability, and clarity in every client relationship. With over 50 years of combined financial experience and partnerships with 100+ top insurance carriers, we specialize in tailored insurance solutions, lien filing, and collections recovery. Our structured approach ensures clients receive customized plans addressing life insurance, health coverage, property and casualty protection, and debt recovery.We focus on ethical practices, transparency, and maintaining client trust while navigating financial complexities. Our mission is to make a tangible impact by helping individuals and businesses achieve long-term financial stability. By eliminating quotas, recruitment requirements, and unnecessary fees, we prioritize partnerships over profit, offering advanced tools at no cost to support client success. Our services extend to property managers, landlords, and service providers, ensuring they recover unpaid debts through legal lien enforcement and efficient collections. We operate with purpose, combining technical expertise with a commitment to client education and satisfaction.
Services
Term Life Insurance
Whole Life Insurance
Medicare Advantage
Commercial Insurance
Lien Filing
Collections Recovery
Debt Collections
Long Term Care
Workers Compensation
Surety Bonds
Highlights and features
- We have more than 50 years of combined financial experience.
- We partner with over 100 top insurance carriers.
- We offer No Collection, No Fee debt recovery services.
- We provide customized lien filing and enforcement solutions.
- Our licensed agents specialize in diverse insurance products.
Services
Lien Filing
Our lien filing service secures payment rights for property managers, contractors, and service providers through legal property and mechanics' liens. We ensure compliance with California regulations while tracking deadlines and managing enforcement actions. Our experts handle lien preparation, submission, and monitoring to maximize debt recovery for clients.
Collections Recovery
We specialize in ethical collections recovery for commercial and consumer debts, combining compliance with aggressive debt pursuit. Our team uses tailored strategies to recover overdue payments while preserving client relationships. Services include account monitoring, customized recovery plans, and transparent reporting for improved cash flow.
Term Life Insurance
We offer term life insurance policies providing affordable, temporary financial protection for beneficiaries. Our solutions include flexible term lengths and coverage amounts tailored to individual needs. Clients benefit from partnerships with multiple carriers to find competitive rates and comprehensive policy options.
Medicare Advantage
Our Medicare Advantage plans deliver comprehensive healthcare coverage with prescription drug benefits and supplemental services. We help clients navigate MAPD, Medigap, and specialized plans like SNP/DSNP. Our advisors ensure proper plan selection based on individual medical needs and budget requirements.
Commercial Insurance
We provide commercial insurance solutions protecting businesses against liability, property damage, and operational risks. Offerings include E&O, professional liability, workers' compensation, and HOA hazard policies. Our team tailors coverage to specific industry needs while ensuring cost-effective risk management strategies.
Questions
What insurance products does Present Financial offer?
We offer life insurance (term, whole, IUL), health insurance (Medicare, Medicaid, dental/vision), and property & casualty coverage including commercial insurance, workers' compensation, and surety bonds.
How does your lien filing service work?
Our lien service prepares and files legal property or mechanics' liens to secure payment rights, tracks deadlines, and manages enforcement actions while ensuring full compliance with California state regulations.
What debt collection methods do you use?
We employ ethical, compliant collections practices with customized recovery plans. Our approach prioritizes relationship preservation while aggressively pursuing overdue payments through professional engagement strategies.
Do you work with licensed insurance agents?
Yes, we contract with licensed life, health, and property & casualty agents nationwide, offering access to 100+ carriers, CRM tools, and competitive compensation without quotas or training fees.
What areas do you serve?
While based in California, we provide services nationwide with global coverage capabilities. Our lien expertise specifically focuses on California's regulatory requirements for HOA notices and mechanics' liens.
Reviews (7)
Darren Diaz
Nov 21, 2018
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Working with Matt has been a pleasure. He met me at my office twice during late hours to accommodate my schedule. He went over everything in great detail to help me make the best decision on my life insurance policy. He followed up with me on every step to make sure I was doing my part (which was very helpful). I highly recommend working with Present Financial.
Jorge Cajero
Sep 21, 2018
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Steve Urquilla was very professional and very easy to work with. He's knowledgable and was able to get my wife and I great life insurance policies. He's definitely one of a kind! Thank you Steve!
Matt Franchina
Sep 18, 2018
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A team full of highly enthusiastic, driven, and opportunistic professionals with the opportunity to protect the legacy of others while building our own, that's what it's all about. #bePRESENT.
Vicki Tawil
Aug 30, 2018
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My husband and I worked with Present Financial for our Life Insurance Policies and we couldn't be happier! They pulled together two great policies that made my husband and I feel very secure in our finances.They took the time to teach us exactly what our policies would do and how it would benefit our family. Life is extremely precious. For us, we made the decision now to take care of the most important people in our lives, in the event we were not around to take care of them in the future. Present Financial takes this decision seriously and we feel, without a doubt, they took care of us and our
Henri Kor
Nov 21, 2017
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Sina was an amazing person to work with. He helped my wife and I come up with the best decision possible based on our current needs and brought additional insights to help with future planning. He always made sure to get back to us on any questions we had. Thank you for everything.
Courtney Spoo
Oct 28, 2017
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I could not be more grateful for the amazing service and support I received from Steven Korts at Present Financial. My father was in a horrible motorcycle accident months before he was eligible for Medicare. He is not able to tend to his own affairs and I am solely responsible to ensure that he was covered and all of his needs are tended to. Steven not only walked me through the process, he orchestrated my fathers application and found the best supplements and coverage for my father. He took the time to investigate any and all options. I cannot express how caring, detailed and effortless this
David Biber
Jun 11, 2017
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Steve Korts has the wonderful ability to translate complex Federal legislation to every day English. I heartily endorse Steve. A great resource!
