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Discover
Understand your income, expenses, assets, and financial priorities.
Your independent broker
Anthony S. Persad
Life & Health Insurance Agent · Independent Broker · Financial Strategist
“Your goals give the conversation its direction.”
Persad Insurance Services
California Insurance License #0F36382
Licensed in 15+ other states
National Producer Number #8931209
Why Persad Insurance Services?
Your financial future deserves more than a sales pitch.
You deserve someone who takes the time to understand your circumstances, respects your priorities, and helps you make informed decisions about your financial future.
As an independent broker, Anthony compares options from multiple insurance carriers and explains how they may fit your needs. Consultations, quotes, and illustrations are offered at no direct cost to you. When a policy is placed, compensation is generally paid by the insurance carrier.
Education firstIndependent perspectiveLong-term service
Protection. Preparation. Possibility.
Solutions that serve a purpose.
Start with the outcome you want to work toward. Then explore whether insurance or a related planning resource can help.
Life & Family Protection
Explore coverage designed to help the people who depend on you manage the financial impact of your death.
- Term and permanent life insurance
- Coverage needs, beneficiaries, and affordability
- Options for families, business owners, and legacy goals
Policy costs, exclusions, guarantees, and any cash-value features vary by contract.
Discuss your protection prioritiesRetirement Income Options
Review how insurance-based options may fit alongside your existing retirement accounts, savings, and other income sources.
- Fixed and fixed indexed annuity options
- Income timing, liquidity needs, and beneficiary goals
- Understanding surrender periods and contract limitations
Annuities are insurance products. Guarantees depend on the issuing insurer’s claims-paying ability. Tax and retirement-account decisions should be reviewed with your tax professional.
Talk through your retirement questionsCash Value & Legacy Strategies
Explore whether permanent life insurance fits a long-term need for protection and supplemental financial flexibility.
- Policy design and sustainable funding
- Guaranteed and non-guaranteed values
- Beneficiary and legacy considerations
Cash value takes time to accumulate. Loans and withdrawals can reduce policy values and death benefits, increase lapse risk, and create tax consequences. An indexed policy does not invest directly in an index.
Explore whether it fits your goalsHealth & Supplemental Coverage
Review health coverage and supplemental insurance options with attention to benefits, networks, out-of-pocket costs, and eligibility.
- ACA Marketplace and eligible Medicare-related options
- Dental and vision coverage
- Disability, accident, critical illness, and long-term care options
Availability depends on your state, eligibility, enrollment period, and carrier appointments.
Explore ACA plans through LucieBusiness Owner Protection
Consider the effect an illness, disability, or death could have on your household and business.
- Personal and business life insurance needs
- Income protection and continuity questions
- Coordination with your business, legal, and tax professionals
Estate Planning Resources
Explore beneficiary coordination and introductions to independent will and trust service providers.
- Aligning insurance beneficiaries with your intentions
- Questions to ask about wills and living trusts
- Working with qualified legal and tax professionals
Legal documents and legal advice are provided by independent third parties. Persad Insurance Services does not provide legal advice.
Ask about estate planning resourcesThe Power of Possibility
What could your financial future look like?
The decisions you make today can influence the opportunities available to you tomorrow. Explore what consistent contributions could look like under different hypothetical assumptions.
Explore Different Scenarios
| Annual rate | Contributed | Hypothetical earnings | Ending value |
|---|---|---|---|
| 0% | |||
| 5% | |||
| 10% |
Educational illustration only. Assumes contributions at the end of each month and constant hypothetical annual rates compounded monthly. Excludes taxes, fees, insurance costs, inflation, and market losses. These are not forecasts, policy illustrations, or returns offered by any product. Actual results will differ and may be lower. This tool does not recommend an investment or insurance product.
The Persad Difference
Before we talk about investing more, let’s look at what you already have.
Building a stronger financial future doesn’t always require earning more money. It starts with understanding where your money goes, identifying opportunities within your existing resources, and making intentional decisions about what comes next.
The Persad Planning Process
A better financial future starts with a better approach.
No two financial situations are identical. That’s why we begin by understanding yours—before discussing products.
02
Optimize
Identify opportunities to make better use of your existing resources.
03
Position
Explore strategies aligned with your goals, circumstances, and timeline.
04
Evolve
Review and adjust your strategy as your life and priorities change.
Clarity before decisions
A more informed next step.
See what consistency could mean.
Change the monthly contribution and timeline in the educational calculator. Compare hypothetical scenarios without choosing a product.
Explore the calculatorBring the right questions.
A useful first conversation starts with what matters to you.
View your conversation checklist
- What do I want to protect or improve?
- Who depends on my income?
- What coverage and accounts do I already have?
- What monthly amount is sustainable?
- What would I like to understand before deciding?
Find your starting point.
Choose the concern that feels most relevant. Our short guided experience will help you organize your questions.
Your next step
The next chapter of your financial future starts with a conversation.
Whether you’re just getting started, building wealth, preparing for retirement, or thinking about what you’ll leave behind, there’s value in understanding your options.
If this is where you are right now, and you’re ready to approach this more intentionally, there are two ways to move forward: