Berger Insurance Services
Fredric A. Berger
CLU, ChFC, MSFS, FALU
"Life Insurance is a true act of Love"
 
Berger Insurance Services
 Fredric Berger, CLU, ChFC
CA Ins. Licence # 0B05081
804 Pier View Way # 211
Oceanside, CA 92054
(760) 435-9702
(888) 435-9702
Fax # (760) 435-9703
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PEOPLE WE CAN HELP
Individuals and Families
  •  Families with children
  •  Recently purchased a house or commercial real estate property
  •  Recently refinanced a house
  •  Individual or coupled who are retired (ages 65 to 90)   
  • Planning to retire in next several years (age 50 to 65) 
  • Individuals who have had a medical scare in the last couple of years.
  •  Grandparents who would like to do something for their children or grandchildren
  •  Recently divorced

Businesses

  • Have been in business at least 2 years
  • Show signs of being a successful and profitable business
  • Sole proprietor, Partnerships and LLC/ LLP
  • Corporation President, CEO or CFO
  • CPA or Accountants
  • Lawyers
  • Physicians
  • Athletes and Professional Sports Team Owners
Charitable Organization  501 (3) c
  • President, CEO or CFO of Charitable organization
  • Minister of a church
  • Individuals and Families who contribute to Charitable Organizations.
Why Berger Insurance Services?
Experienced
Independent
Integrity
Creative Solutions
Senior Advocate
Life Insurance Agent
Independent Broker
 Disability Income Agent
Fixed Annuities
Fixed Index Annuities
Long Term Care Insurance
 
Specialist in Impaired Risks
Diabetes
Heart Disease
Cancer Survivors
Elevated Choleresterol
Multiple Sclerosis
Parkinsons's
Hypertension
Overweight
 
      Fredric Berger is nationally recognized as an expert
      with difficult life insurance underwriting situations and
      who works insurance agents throughout the United States
      who have difficult to insure clients. We can help agents
      get preferred and standard coverage on their healthy
      clients too. Our goal is to secure the best premium for
      the best life insurance value with quality companies that
      meet the needs of the client.
      
Community Support
 
        Berger Insurance Services and Fredric Berger have a unique insight
        in medical issues due to our extensive work with medical underwriting
        of life insurance. We appreciate the need for medical research to
        improve future treatments and care.
 
        We give back to the community by supporting numerous medical
        and senior related charities, such as the American Diabetes
        Association, Hope for a Cure and the Alzhiemer's Association.
 
 
 
 
Financial Advisors and Professionals
We Can Help
 Financial Advisors
Life Insurance Agents
Life Insurance Brokers
Long Term Care Agents
Property Casualty Agents
Financial Planners
CPAs
Tax Accountants
Estate Planning Attorneys
Divorce Attorneys
 
Over 40 Quality Life Companies ,
Numerous Life and Annuity products,
Advanced Underwriting Techniques,
Competitive Commissions,
Superior Underwriting Results,
Excellent Service,
    
   
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Need Paycheck Protection 
or
 Disability Income Insurance
 for yourself or employees?  
 
Who will pay your bills
for you and your family
if you are injured
or too sick to work?
 
Call Fred for free quote
1 (888) 435-9702
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Marketing Tools
Looking for ways to improve your marketability
and real communication with your clients
and prospective clients. 
OR
Just want to make some real additional income?
Call (760) 473-6100 or
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Helpful Life Application
&
Underwriting Hints 

Helpful Application Hints

How much life insurance?

Medical Questionnaires 

  Term Insurance

Preliminary Inquiry Form
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 Life Insurance secured by: 
 Fredric A. Berger,
CLU, ChFC, MSFS, FALU
     California Insurance License # 0B05081
Also licensed in
Arizona, Arkansas, Colorado,
Connecticut, Florida, Georgia,
Hawaii, Kansas,
Massachusetts, Michigan, 
Minnesota,  Missouri,
Nebraska, Nevada,
 New Mexico, New Jersey,
 New York, North Carolina,
 Ohio, Oklahoma, Oregon, 
 Pennsylvannia, Tennessee, Texas,
Virginia, Washington
 and Wisconsin. 
 
Copyright 2000-2009,  Fredric Berger.  All Rights Reserved