Derek Ehrsam.Insurance Services

California life insurance · Personal & business planning

A clear view of your insurance.

Protecting your family. Understanding an existing policy. Planning for your business and legacy. Talk through the decisions with Derek Ehrsam.

Call Derek Prefer to text?

California insurance license #4451115
A direct conversation. An informed next step.

Derek Ehrsam, California insurance agent
Derek EhrsamInsurance Services / Los Gatos, CA

A place to start

What would you like
to work through?

Insurance questions often begin with a change in life, an unfamiliar policy statement or a responsibility you want to plan for.

01

Protect the people
who depend on you.

Income, housing, debts, education and caregiving all belong in the conversation. Start with who needs protection and how long those responsibilities may last.

Organize your protection questions
02

Understand the policy
you already have.

Review what your coverage is intended to do, the premiums it needs and the assumptions behind its values. Term, permanent coverage and workplace benefits bring different questions.

Explore the moving parts
03

Plan for your business
and your legacy.

Talk through key person coverage, buy-sell funding, beneficiary planning and estate liquidity. The planning objective comes before the policy design.

Discuss your planning question

The conversation

First, make sense
of the question.

You do not need to know every product name before reaching out. The first step is understanding what you want the insurance to accomplish.

  1. 01 / Context

    Start with your responsibilities.

    Discuss your family or business, existing coverage, timeline and the premiums you can sustain.

  2. 02 / Tradeoffs

    Review the details that matter.

    Talk through coverage, flexibility, policy costs and the assumptions that deserve a closer look.

  3. 03 / Next step

    Consider whether a design fits.

    If a policy discussion is appropriate, review its illustration, requirements and risks before deciding whether to apply.

Advanced planning, with the details in view

A policy illustration
is a starting point.

IUL, cash value and premium financing require a careful look at how a policy is funded, how values are illustrated and what could change.

  • Indexed universal life structure and illustration review
  • Overfunded policy design and cash value planning concepts
  • Policy loans, premium financing and leveraged IUL
  • Legacy, estate liquidity and business continuity
  • Annuity and retirement-income planning questions
Read the mechanics and risks

About Derek

Someone you can
ask directly.

Derek Ehrsam Insurance Services is based in Los Gatos and serves eligible California residents.

Reach Derek by phone, text or email about family protection, a policy you want to understand, or a business and legacy question. The conversation begins with your objective, then the mechanics and tradeoffs of the insurance being considered.

Derek Ehrsam · California insurance license #4451115

Get in touch

Before we talk

A little preparation
can go a long way.

01 / Protection questions

Who depends on you, and for how long?

A short guide to responsibilities, existing coverage and the questions to bring to a review.

02 / Life insurance & IUL

Understand the design before the illustration.

Term and permanent coverage, policy costs, cash value and advanced planning limitations.

A conversation with Derek

Bring the question you have.

A family to protect. A policy to understand. A business decision to work through. Start with what matters to you; you do not need to arrive with a product in mind.

California insurance license #4451115
For eligible California residents.

Call Derek(408) 892-6419 Text DerekText your question Email Derekehrsam_derek@nlgroupmail.com

Please keep an initial text or email to general questions. Do not send medical records, Social Security numbers or payment details. How your information is handled