As one of California’s most trusted independent insurance agencies, Sun Ocean Insurance is committed to providing unmatched, superior service and great insurance coverage from the industry’s top rated companies at an affordable price. In our business we know that everyone’s personal circumstances are different. We evaluate your current situation and your future requirements to create a plan that supports your economic growth and protects your family’s financial security. Our ability to shop over 75 top-rated companies gives us a unique edge in finding the appropriate product at the lowest cost. Clients are often amazed when they find out that the cost is actually less than what they thought it would be. Protecting your loved ones is an important step and we make it very easy for you throughout the process.

We specialize in valuable financial planning products such as life insurance – term life, whole life, universal life, return of premium, non-medical life insurance, business life insurance, and life insurance with supplemental tax-free retirement income, annuities, disability income, long term care insurance, college funding plans, cancer policies, and long term and short term health insurance. We also help employees of state and local government agencies and non-governmental entities who are tax exempt under IRC 501, with 403b and 457b tax-sheltered annuities (TSA). These have the tax advantage of being funded with pre-tax dollars and growing tax deferred. We offer only risk free (zero market risk) products, fixed indexed products that gives a respectable rate of return and the peace of mind knowing that you will not lose a penny, even if the stock market is down. Build your retirement savings without the downside risk!

Our strategic financial guidance will enable you to make sound financial choices. We evaluate your situation and recommend the best combination of products to meet your financial goals. We use our professional expertise to add real value through long term financial planning using stable financial products for protecting your families financial security and health, building a nest egg, planning for retirement and funding a college education.

Start planning your financial future now by calling (760) 402-6218, or send an email to You will be glad you did!



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Sun Ocean Insurance | Financial Advisor, Retirement Planning, Annuities, College Funding, Financial Planning, Estate Planning, Affordable Healthcare Insurance, Long Term Care, Whole and Term Life Insurance Plans, Disability Insurance, Life Policies | 1251 Holmgrove Dr., San Marcos CA 92708 | (760) 402-6218