Life is ever changing. Whether you are a college student, single, married or divorced, with or without children, Monarch is committed to help you protect what matters most while you’re mastering life’s changes.

We are an independent Health, Life and Supplemental insurance services agency contracted with all major carriers to provide you with the best coverage to suit your ever changing needs.

We offer Individual/Family and Small Group Health insurance [both on and off exchange], Term Whole and Universal Life insurance, Annuities, plus Supplemental insurance plans such as Short Term Disability, Accident, Chronic or Cancer Care and Hospital Confinement plans.



Monarch works with industry leaders to offer quality health insurance in the Temecula, Inland Empire, San Diego and throughout California for individuals, groups, small and mid-size companies. We are also Covered California Certified offering on-exchange health plans.


We offer a broad range of plans to meet your dental needs, both big and small. Plans typically cover preventive and basic dental care. Benefits vary by plan. Use our tools to easily find the plan for you.


Life insurance is an unpleasant subject, and it raises difficult questions. At Monarch we ask the difficult questions and help you sort through the options, finding the product that works best for you. When it comes to life insurance, there is no one-size-fits-all policy that works for everyone. That’s why we spend time helping you understand and choose a policy that fits your specific needs.

Long Term Care

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with Activities of Daily Living [eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed)]. Generally, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.” Monarch will work with you to determine the best time to purchase Long Term Care insurance and prepare for the future.


Monarch partners with Colonial Life, the market leader in providing benefits solutions in one neat package -- benefits communication, enrollment and personal insurance products. We can help to design a flexible benefits package that fits the needs of both the employer and employee. We also help employers mitigate rising health insurance costs and lower their workers’ comp rate, and for those employees whose insurance plans leave them feeling vulnerable, Monarch can help restore peace of mind by filling in the gaps.


An Annuity is an insurance product that can protect a portion of your retirement savings and provide you with steady income in retirement for the rest of your life. Think of it as a plan for guaranteed lifetime income.
Monarch works with Partners South Estate Planning and Retirement, an industry leader, to bring you a diverse product portfolio of annuities. Contact us to see whether an annuity is right for you.

Our Partners

The above list is not exhaustive. Please contact us if your preferred network is not shown.

The Center 4 Life Change

You are not alone and it’s never too late. We are proud to partner with The Center in restoring lives. The Center is dedicated to seeing your family completely restored, and through them you will find a rare and unique combination of clinically sound, evidence-based treatment, mixed with a transformation model that changes lives. Your family can recover from the trauma of addictive disorders. For more information, click the link below.



  • Individual/Family
  • Group (1-100 employees)
  • Medicare
  • Dental
  • Catastrophic

Life & Retirement

  • Term
  • Whole
  • Universal
  • Group
  • Annuities


  • Accident
  • Short Term Disability
  • Chronic Care
  • Cancer
  • Hospital Confinement


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