Rafael Posadas CA Lic. # 0E44318
Rafael Posadas
Financial Professional
Insurance Sales Representative - Financial Professional
Meet Rafael Posadas
Personal Business Philosophy
I’m dedicated to helping my clients protect their financial security as they prepare for retirement. I hold myself to the highest level of personal and professional integrity and promise only to recommend insurance product solutions that are in my client’s best interests.
licensed in
CA
CA License: 0E44318
professional background
Since 2008, I’ve been guiding families toward financial peace of mind—because everyone deserves a safety net that works.
Education: Computer Network Engineering, Maric College
personal background
Family: Married to Lovely Posadas with three children, Lucia, Lyra, and Ezrael.
Community Involvement: Minister and Praise & Worship Leader at Love of God International Fellowship.
additional languages
Filipino, Tagalog
Family & personal background
Family: Married to Lovely Posadas with three children, Lucia, Lyra, and Ezrael.
Community Involvement: Minister and Praise & Worship Leader at Love of God International Fellowship.
Products & Services Offered in California.
Life Insurance
Find out how life insurance can help protect the financial security of you and your family.
Medicare Supplement Insurance
Find out how life insurance can help protect the financial security of you and your family.
Long-term Care Insurance
Find out how life insurance can help protect the financial security of you and your family.
Annuities
Find out how life insurance can help protect the financial security of you and your family.
Life Insurance For All Ages
Life insurance for every stage—whether you're just starting out, raising a family, or planning your legacy. I help find the right coverage to fit your needs and budget, ensuring peace of mind at any age.
Explore Medicare Advantage
You have many choices when it comes to Medicare – Let us help you compare Medicare Advantage plans to find the right coverage for you. Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare Parts A and B.
Let's Talk About Your Plans for Long-Term Care!
As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?
Reviews
Customer Reviews for San Diego, CA
4.9
(109 Reviews)
4.9
(109 Reviews)
Marianne P
May 4, 2025
Rafael Posadas is an outstanding life insurance agent—professional, knowledgeable, and truly dedicated to his clients. He made the process simple, answered all my questions, and found me the perfect policy. Highly recommend!
FAQs
Evenings And Weekends By Appointment
| Day of the Week | Hours |
|---|---|
| Sunday: | By Appointment |
| Saturday: | By Appointment |
We offer life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.
- a. Medicare is a federal health insurance program for people who are:
- Age 65 and older.
- Younger than 65 with certain disabilities.
- Any age with end-stage renal disease (ESRD), a type of permanent kidney failure requiring dialysis or a kidney transplant.
- b. Medicare offers essential health coverage to help pay for hospital stays, doctor visits, and other healthcare services. Understanding eligibility and your options can help ensure you get the right coverage at the right time.
- c. Bankers Life can help guide you through the process of selecting the best Medicare plan for your needs.
Medicare Supplement insurance (also known as Medigap) is a type of health insurance sold by private companies, like Bankers Life, to help cover the out-of-pocket costs that Original Medicare doesn’t, such as co-payments, coinsurance, and deductibles. While Medicare Part A and Part B cover many health expenses, they don’t cover everything. Medicare Supplement plans can help fill in these gaps, ensuring you have comprehensive coverage and fewer unexpected medical costs as you age.
The best time to buy Medicare Supplement insurance (Medigap) is during your six-month Medigap open-enrollment period. During this time, you can buy any Medicare Supplement policy sold in your state, regardless of any pre-existing conditions. You will not be required to answer any medical questions during this time.
- a. Medicare Advantage, also known as Medicare Part C, is an alternative way to get Medicare coverage through private insurance companies, rather than directly through the federal government.
- a. Medicare is a federal health insurance program for people who are:
- Age 65 and older.
- Younger than 65 with certain disabilities.
- Any age with end-stage renal disease (ESRD), a type of permanent kidney failure requiring dialysis or a kidney transplant.
- b. Medicare offers essential health coverage to help pay for hospital stays, doctor visits, and other healthcare services. Understanding eligibility and your options can help ensure you get the right coverage at the right time.
- c. Bankers Life can help guide you through the process of selecting the best Medicare plan for your needs.
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