CRF Financial, 126 Clock Tower Pl, Carmel, CA 93923, US

At Carmel Bay Group Insurance, we create, design and service group health insurance programs for businesses, nonprofits and organizations from 1-100. Since we started our business in 1985, we have grown into one of the leading group health insurance brokers on the Monterey Peninsula coordinating small business health insurance, life insurance, disability income insurance, dental insurance, vision insurance and LTD insurance plans for businesses of all sizes, both locally and across the country. Our office is located in Carmel, California where we have worked for over 30 years with local employers, including Monterey and Salinas companies, to develop attractive health plans that are both flexible and affordable for employees and their families. Your business is important to you. We get it! Thats why we take such care to really understand what you want your insurance benefits to do for your employees and company. We know that your fringe benefit program also serves as a recruitment tool for prospective team members that you may want to hire in the future. Employee surveys continue to demonstrate that the most considered and desired employee benefit after compensation, is group health insurance. Lets make sure your benefits communicate what you want to say to your existing and future employees. Personal and Family Insurance:We also offer individual insurance for people who want to financially plan for the challenges and opportunities of life. After thoroughly understanding your situation and goals, we will help you design a program to help you accomplish what you desire for yourself and family. More often than not, your familys future opportunities and successes hinge on addressing fundamental issues that we all share as human beings; the financial consequence of death, disability or a need for extended long term care. These contingencies can torpedo even the best laid plans. We use Life insurance, Disability insurance, Annuities, and Long Term Care insurance in a variety of ways to support your planning and financial commitments so you can live confidently into the future. Call or email us for more information or to schedule a meeting.

Manfred Melcher MSW LCSW

Susan Thomas - Coldwell Banker del Monte

Heidi Linkenbach - Short

Debora Sanders