WELCOME TO DOWNS INSURANCE SOLUTIONS

The Life, Group Health & Disability Insurance Experts

Life Insurance

Group Benefits

Long Term Care

Disability Plans

Debra Downs founded Downs Insurance Solutions in 1989. Our agency represents multiple carriers, delivering our client’s unbiased solutions to their insurance planning. We specialize in Life Insurance Sales, Group Benefits, Long Term Care Insurance and Disability Insurance.

As an independent agency, our agents can customize an insurance plan that fits your needs. Our ability to “shop” for the most competitive product and premiums, while maintaining the integrity of the benefits offered, makes us a leader in the market place. The carriers we have chosen to represent are selected based on their portfolio of products, client service support and financial strength. Your insurance protection is provided by top rated insurance companies.

We are humbled to exceed the industry standards by maintaining 100% retention of our clients. From our first clients, to those referred to us over the years, we believe the very foundation to our relationships is service. Not only do our clients benefit from our expertise in our field; they have peace of mind knowing our agency will be there to service their policies. From client service to claims assistance, we are committed to those who entrust us with their insurance needs.

Contact our office to obtain customized insurance solutions built to meet your needs.

Make Informed Insurance Decisions with

Downs Insurance Solutions

Here is what our clients are saying about our services

Stemple Creek has been working with Downs Insurance Solutions for five years on our group benefits. Our staff has grown over the years and Debbie’s experience and proactive measures has assured that we offer very competitive benefits to our employees. We review our plan design and carrier options annually. Debbie and her staff are a great resource for us as business owners and for our employees. We appreciate the professional service we receive

Stemple Creek Ranch
Debbie has been our agent since 1990, providing group benefits to our employees, life and disability insurance for funding our Buy-Sell agreement, and working personally with the principals of our company on their personal coverage for life and long-term care insurance needs. Always available to resolve any claims, membership or accounting concerns that may arise. Her agency provides guidance to help us manage our costs.

N. Bajurin, Alouis Auto Radiator
We’ve been grateful to Debbie for her expertise over the years. We began working with her in 1991. She has provided excellent service, recommending products that have met the challenges of providing life insurance protection for our family and group benefits for our employees.

R & M Vavuris
“Debra Downs Insurance Solutions, Inc has been managing our group benefits for 5 years. I own multiple fast food restaurants and Debra has provided guidance and solutions to aid our operation on being compliant with Federal and State employee benefit requirements She provides annual open enrollment meetings and conducts a mid-year review so we have an ability to plan before our renewal. The support she provides is immeasurable.“

- Valerie K. Siri, Valucci Restaurants, Inc., San Mateo, California
“Debra Downs provides guidance on the complexity of the Health Care Security Ordinance (HCSO) mandated by the City of San Francisco, to assure our benefit plans are compliant with the Affordable Care Act as well as HCSO. Her office provides excellent client services to our employees. Annually she provides 2-3 days of employee meetings, with translators, to educate our employees on the plan selection options available to them. Debra meets with our office quarterly to assure we are receiving timely updates on the marketplace. I would highly recommend Debra Downs Insurance Solutions, Inc to large group employers, looking to receive the highest standard of service.“

- Karen Lamson, President, Alioto Fish Company, Inc., San Fransisco, California

What should you expect from your Insurance Agent

• UNBIASED SOLUTIONS TO YOUR INSURANCE NEEDS
• UNCOMPROMISED SERVICE, RELIABILITY AND TRUST
• PRODUCT AND PREMIUMS THAT WORK FOR YOUR BUSINESS AND FAMILY
• INSURANCE STRATEGIES FOR BUSINESSES, ESTATE TAX -LEGACY PLANNING & INCOME REPLACEMENT

REMEMBER THIS: EVERY TIME YOU MAKE A PREMIUM PAYMENT ON YOUR GROUP BENEFITS YOUR AGENT EARNS COMMISSION, EXPECT CONSISTENT SERVICE THROUGHOUT THE PLAN YEAR WITH AN AGENT WHO IS YOUR ADVOCATE AND PARTNER

Our Mission

Our Mission is to be the agency our clients can rely on and trust. Downs Insurance Solutions is committed to serving our clients. The success of our mission is proven in the results of our strong retention numbers and the client relationships we’ve built on thirty years of referrals. We can help you maneuver through the intricate marketplace of Life, Group Benefits, Disability and Long Term Care coverage. With our broad knowledge in the industry, we can provide the perfect strategic insurance solutions for you and your needs.