Services

Insurance plans tailored to your needs.

Cool Insurance Agency is dedicated to providing a full suite of insurance solutions tailored to meet the diverse needs of our clients. We offer comprehensive life insurance options, including term, whole, and universal life, to secure your family’s future. For homeowners, our mortgage protection and home insurance services ensure that your most valuable asset is safeguarded, while our auto and renters insurance policies provide reliable coverage for daily life. We also offer specialized final expense insurance to alleviate financial stress on loved ones during challenging times and retirement planning services to help you prepare for a comfortable future. For those seeking unique, growth-oriented protection, our Indexed Universal Life Insurance (IUL) offers the opportunity to build wealth while securing coverage. Additionally, we cater to business owners with a range of commercial insurance options and health insurance plans that fit both personal and professional needs. At Cool Insurance Agency, we combine industry expertise with a personal approach to help clients achieve peace of mind and protection for every stage of life

Retirement Planning

Proper retirement planning ensures you are prepared for the golden years, free from financial stress.
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Indexed Universal Life

IUL can serve as a critical asset in a comprehensive financial plan, providing both a death benefit for loved ones and a tax-advantaged way to grow wealth.
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Life Insurance

A critical component of financial security, providing peace of mind that your loved ones will be financially protected in the event of your passing.

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Final Expense

Final expense insurance ensures that your loved ones won’t have to worry about how to cover these costs after your passing.
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Annuities

One of the most significant benefits of annuities is the guarantee of a steady income stream, often for the rest of your life.

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Mortgage Protection

Mortgage protection insurance guarantees that your mortgage is paid off or covered, providing financial security to your family and ensuring they can stay in their home during difficult times.
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Cool Insurance Agency: Your One-Stop Shop for  Retirement Planning – Indexed Universal Life – Life Insurance – Final Expense – Mortgage Protection – Annuities :::Cool Insurance Agency: Your One-Stop Shop for  Retirement Planning – Indexed Universal Life – Life Insurance – Final Expense – Mortgage Protection – Annuities :::

What Our Customers Are saying

We are grateful to our amazing customers for taking time out of their busy days to share their positive reviews.

My experience with Michelle is everything you would wish for but don’t often get – seamless service and lightening fast! She was knowledgeable and patience in answering all of questions – and there were many! I will definitely be referring my friends and family here for all their insurance needs!

Gena B, Sacramento, CA

I am so pleased with Joseph Montgomery’s professionalism while putting together my annuity and life insurance policy. He took the time to explain the benefits of both. I will recommend the Cool Insurance Company to friends and family. Thanks Joe.

Carol P, Cool, CA