Covered California

Helping You Plan Beyond Health Coverage

At  Gaddis and Mast Insurance Services, our main goal is to help Californians secure affordable, reliable health insurance through  Covered California  and  Medicare. But we also understand that for many individuals—especially those planning for retirement—financial security goes hand in hand with health care.


That’s why we are licensed and able to provide guidance on retirement annuities  for those who are interested in stable, long-term income options as part of their overall planning.

Speak With Us
  • A doctor is talking to a patient who is sitting on a bed.

  • A family is sitting on a couch looking at a photo album.

What Are Retirement Annuities?

Annuities are financial products that can provide a guaranteed income stream in retirement. Some clients choose to explore annuities to help supplement their retirement savings or provide peace of mind alongside their Medicare or life insurance coverage.


We can assist with:

  • Explaining the difference between fixed, indexed, and variable annuities
  • Providing general education about tax-deferred growth and interest accumulation
  • Helping you identify whether an annuity makes sense for your long-term goals


Note: We do not provide investment advice. We’ll help you understand your options and connect you with reliable, licensed financial providers if you decide to move forward.

A Supportive, No-Pressure Experience

If you’re exploring retirement coverage or supplementing your Medicare benefits, we’re happy to talk with you about whether annuities could fit into your picture. Our job is to give you clear, easy-to-understand information so you can make informed decisions. 

Want to Learn More? 

We’re here to help. Reach out to discuss your health, life, or retirement coverage goals today

Our Commitment to You

As Certified Covered California Agents, we:

  • Offer free, one-on-one help — there is never a fee for our services
  • Make enrollment simple, fast, and stress-free
  • Help you understand your coverage and financial assistance options
  • Provide ongoing support, including annual plan reviews


We believe that health care is a right — not a burden. Let us guide you toward coverage that protects your health and your peace of mind.