Premier Essence Insurance Service

At Premier Essence Insurance Services, we are dedicated to building long-term relationships and fulfilling your financial needs. Our team has over 50 years of combined experience in the financial industry, and we are committed to providing you with the proper planning that will ensure you and your loved ones are secured financially. We understand that the key to proper planning is understanding your needs, and we are here to help you every step of the way.

Life Insurance and Annuity Planning

Everyone needs life insurance and planning for retirement. At Premier Essence Insurance Services, we can help you maintain the same lifestyle after you stop generating earned income and use the right vehicles to sustain your retirement spending. Life insurance is a crucial part of financial planning, and we can help you choose the right policy to protect your family and loved ones.

Annuities are a popular retirement savings vehicle, and we can help you choose the right annuity to meet your needs. Annuities provide a guaranteed income stream in retirement, and there are many different types to choose from. We can help you compare the features and benefits of different annuities and choose the one that is right for you.

Commercial Insurance

Business Owner Policy, Commercial Package, E & O, and Workers Compensation are a necessity to run a successful business. These insurances are also designed to protect your hard-built business during unexpected events. At Premier Essence Insurance Services, we can help you choose the right commercial insurance policies to protect your business and your employees.

A Business Owner Policy (BOP) combines property and liability insurance into one convenient policy. This type of policy is designed for small to medium-sized businesses and provides coverage for your business property, liability, and business interruption.

A Commercial Package is a customizable policy that can be tailored to meet the specific needs of your business. This type of policy typically includes liability, property, and business interruption coverage.

E & O insurance (Errors and Omissions insurance) is a type of liability insurance that protects professionals against claims of negligence or wrongdoing. This type of insurance is important for businesses that provide professional services or advice.

Workers Compensation insurance provides benefits to employees who are injured or become ill as a result of their job. This type of insurance is required in most states and is an important part of protecting your employees and your business.

Our Agency

Premier Essence Insurance Services was founded in October 2016 by Cindy Wang and Andy Chang, who have both been in the financial industry since the 1990s. They are passionate about insurance planning and started the company to ensure that proper financial planning is designed for the people they meet.

Cindy Wang started her banking career with Bank of America and continued as a Premier Client Manager with HSBC Bank. She strives to build long-term relationships with her network of people and clients and is dedicated to putting their business as a priority.

Andy Chang started his career with East West Bank and transitioned to HSBC Bank, where he grew up in Taiwan and moved to the United States in 1995. He received his B.S. degree in International Business from California State University, Fullerton. Andy is known for his reliability and sincere demeanor, and he is dedicated to earning the trust of his customers and expanding his network.

At Premier Essence Insurance Services, we are committed to building long-term relationships and ensuring that our customers and families are financially protected with the proper planning. We are here to provide you with the proper planning that will ensure you and your loved ones are secured financially. Contact us today to learn more about how we can help you with your life insurance, annuity, and commercial insurance needs.