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The SANDS Insurance & Financial Experience
The SANDS Insurance & Financial Experience
Dr. Richard J. Sands, MBA, CLSSBB
Dr. Richard J. Sands, MBA, CLSSBB
Dr. Sands is a licensed Insurance Broker with the state of California Department of Insurance (life & health). Dr. Sands has a breadth of business experience with some Fortune 500 companies and has been providing insurance & financial services since 2004.
Dr. Sands opened SANDS Insurance & Financial Services in 2004 after years of services working for PacifiCare Health Systems, New York Life Insurance Company, and ING Financial Partners to be able to work more closely and directly with individuals in need of a wide range of insurance and financial services.
Dr. Sands has the business understanding, industry experience, and formal education to understand your personal and business needs.
Dr. Sands Formal Education:
PhD., Management, Walden University
Masters, Six Sigma Healthcare, Villanova University
M.B.A., Pepperdine University
B.S.M., Pepperdine University
Insurance Broker & Agency Principle
About Us!
About Us!
Dedicated Team!
Dedicated Team!
We are dedicated to you and your goals.
Our team of insurance professionals is known for delivering friendly service with a positive attitude. We pride ourselves on providing the quality service you should expect from your neighborhood insurance agency. Take a moment to learn more about our agency and our commitment to excellent customer service.
As an independent insurance agency, we specialize in crafting the best insurance packages for individuals and businesses. Our role is to build a coverage portfolio tailored to your needs, drawing from a wide range of risk protection options.
An Independent Advantage
An Independent Advantage
We are independent agents serving California, free to choose the best carrier for your insurance needs. Unlike agents tied to a single insurance company, we work for you. Our commitment is to be on your side in the event of a loss, ensuring you receive fair, prompt payment and service. SANDS Insurance & Financial Services represents a carefully selected group of financially strong and reputable insurance companies, allowing us to offer you the best coverage at the most competitive price.
We are independent agents serving California, free to choose the best carrier for your insurance needs. Unlike agents tied to a single insurance company, we work for you. Our commitment is to be on your side in the event of a loss, ensuring you receive fair, prompt payment and service. SANDS Insurance & Financial Services represents a carefully selected group of financially strong and reputable insurance companies, allowing us to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. Imagine if the automobile industry offered only one type of car—one make, one model. You wouldn’t have a choice! The same principle applies to insurance. You need insurance to drive a car, purchase a home, protect your family’s financial future, and run a business. But if only one insurance company existed, offering only one type of policy, you wouldn’t have any options. Your only choice would be to go with that one company.
When you decide to buy a car, you wouldn’t purchase the first one you see. Imagine if the automobile industry offered only one type of car—one make, one model. You wouldn’t have a choice! The same principle applies to insurance. You need insurance to drive a car, purchase a home, protect your family’s financial future, and run a business. But if only one insurance company existed, offering only one type of policy, you wouldn’t have any options. Your only choice would be to go with that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any single insurance company. One of the key advantages of using an independent agent is that they work to meet your needs, not the needs of a specific insurer. By leveraging multiple companies, an independent agent can find you the best coverage at the best price. Additionally, they know which companies have the most efficient claims departments, ensuring your losses are recovered as quickly as possible.
With an independent insurance agent, you have choices. Independent agents are not tied to any single insurance company. One of the key advantages of using an independent agent is that they work to meet your needs, not the needs of a specific insurer. By leveraging multiple companies, an independent agent can find you the best coverage at the best price. Additionally, they know which companies have the most efficient claims departments, ensuring your losses are recovered as quickly as possible.
When you buy insurance, you want an advocate who will accurately assess the risks you face and provide an objective analysis of the marketplace, allowing you to make an informed final decision.
When you buy insurance, you want an advocate who will accurately assess the risks you face and provide an objective analysis of the marketplace, allowing you to make an informed final decision.
Call or email us to book an appointment today!
Call or email us to book an appointment today!
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