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Insurance Planning

Helping you protect the
people and life you love

The purpose of insurance is to help you manage risk and avoid catastrophic financial loss. Yet, it can be really confusing to understand all of the options available and what you need. We’re here to help you decide what kind and how much insurance is appropriate for you and your family, and secure the insurance policies that will protect you.

How we help

We work with a range of highly rated insurance carriers to provide the following insurance products:

Life Insurance

Life insurance is a risk management tool that can help replace your income if you pass away. It can be used to pay for funeral expenses, repay outstanding debts, make charitable donations, provide living expenses, and fund a college education. It can also be used in estate and business planning. There are different types of life insurance (term, whole, universal, variable universal) that may be appropriate, depending on the goal of the insurance and for how long you want the insurance coverage.

Disability Income Insurance

Disability income insurance exists to replace income when a person is unable to work due to sickness or an accident. We evaluate how much income our clients need to protect and which options best fit their situation.

Long-Term Care Insurance

We work with clients to help them prepare for and potentially address an extended care event in their or their family's life. Long term care insurance is one of the solutions to this type of need.

Ready to learn more?

The first step is a confidential conversation
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Our Location

821 Delaware Street
Berkeley, CA 94710

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Contact us

Phone: (510) 433-3109
tammy@tpofinancial.com

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Disclosure

Tammy Plotkin-Oren is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AK, AZ, CA (CA Insurance License #0E65857), CO, CT, DC, DE, FL, GA, HI, IL, MA, MD, ME, MN, NC, NE, NJ, NM, NV, NY, OR, PA, RI, TX, UT, VA, WA, and WI. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Tammy Plotkin-Oren is licensed and authorized to offer insurance in California, but TPO Financial and Insurance Services may not be. For additional information on California licensure status, please click here.

Tammy Plotkin-Oren is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 821 Delaware St, Berkeley, CA, 94710, 510-433-3109. In this regard, this communication is strictly intended for individuals residing in the states of AK, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, MA, MD, ME, MN, NC, NE, NJ, NM, NV, NY, OR, PA, RI, TX, UT, VA, WA, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

Tammy Plotkin-Oren is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of AK, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, MA, MD, ME, MN, NC, NE, NJ, NM, NV, NY, OR, PA, RI, TX, UT, VA, WA, and WI. As such, these services are strictly intended for individuals residing in the states referenced.

Tammy Plotkin-Oren is a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company.

The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Christine Cabras is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CA (CA Insurance License #0K72050), TX, and VA. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Christine Cabras is licensed and authorized to offer insurance in California, but TPO Financial and Insurance Services may not be. For additional information on California licensure status, please click here.

Christine Cabras is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 821 Delaware St, Berkeley, CA, 94710, 510-932-6794. In this regard, this communication is strictly intended for individuals residing in the states of CA, and TX. No offers may be made or accepted from any resident outside the specific states referenced.

Christine Cabras is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the state of California. As such, these services are strictly intended for individuals residing in the state referenced.

TPO Financial and Insurance Services is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither TPO Financial and Insurance Services nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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