Protect the people who depend on you

Cheri Muniz is currently licensed to offer insurance solutions in California, Florida, Michigan, Ohio, Texas, and Washington. Her California Department of Insurance license number is 0K85961.

If you live outside these states, let Cheri know. She can obtain the necessary state license to serve you, except in New York.

Business Funding, LegalShield, and Wellness Plans are available nationwide, as these programs are not insurance products.

Most families need enough to replace 7 to 10 years of income, plus the mortgage and other debts, plus final expenses. That usually lands between 10 and 15 times annual income.

The coverage gap tool on this site walks through the math in under a minute. Cheri then checks it against your real budget and the health questions carriers will ask.

A healthy person in their 30s can often get a $500,000, 20-year term policy for roughly $25 to $45 a month. Permanent policies such as IUL or whole life cost more because they build cash value and never expire.

Your age, health, tobacco use, coverage amount, term length, and policy type drive the price. Nothing is quoted until an application is reviewed, so treat any number online as a starting point.

Term insurance covers you for a set period, usually 10, 20, or 30 years, and pays only if you die during that term. Permanent insurance (whole life, universal life, IUL) lasts your whole life and builds cash value you can borrow against.

Term is the cheapest way to cover a big need for a set time, like raising kids or paying off a mortgage. Permanent fits estate planning, business succession, and people who want a policy that is guaranteed to pay out someday.

Simplified issue policies can be approved in days. Fully underwritten policies with a medical exam usually take 3 to 6 weeks because the carrier orders records and lab results.

Cheri sets expectations up front, handles the paperwork, and follows the application through underwriting so nothing stalls.

Yes. Cheri is an independent agent, which means the recommendation is built around your health, budget, and goals rather than one carrier's product list.

Every carrier is different about health conditions, occupations, and hobbies. Comparing several is how a client with a condition still gets a fair rate.

Cheri Muniz holds a California Department of Insurance license (#0K85961). Business funding and LegalShield clients are served nationwide because those programs are not insurance products.

If you live outside California, ask. Cheri will tell you whether she can help or refer you to someone who can.

The initial consultation is free. Insurance agents are paid by the carrier when a policy is issued, so you never write a check for the advice.

Business funding and LegalShield reviews are also free to start. If a program carries a fee, it is explained in writing before anything is signed.

Call (916) 597-0314 or send the short form on the contact page. Cheri or her team will call or email you back to set a time.

Come with a rough idea of your monthly budget, any existing policies, and the people you want protected. Everything else can be worked out on the call.

A SIMERP is a Self-Insured Medical Expense Reimbursement Plan. It is an employer-sponsored wellness and reimbursement structure that uses existing tax provisions so a business can add benefits for employees without a new line item on the budget.

It is not health insurance and not a replacement for major medical coverage. It works alongside the medical plan you already offer, and your carrier and network do not change. Eligibility depends on payroll structure, so a short review is the first step.

Working capital, business expansion, equipment purchase, real estate, invoice factoring, SBA and long-term loans, startup funding, and credit improvement are the main categories.

The right option depends on time in business, revenue, credit, and what the money is for. A quick intake shows which programs you could realistically qualify for before anyone pulls credit.

A LegalShield membership gives you a dedicated provider law firm for a flat monthly fee. Personal plans cover consultations, letters and calls on your behalf, document review, will preparation, and traffic matters.

Small business plans add contract and document review, debt collection letters, and consultations on business questions. Cheri is an independent associate and can enroll you directly.

Cheri Muniz is the founder and CEO of Ascend Financial Wellness Group, a California-licensed insurance agent, and a business consultant based in Roseville, California. She started the practice in 2016.

The business is BBB Accredited with an A+ rating and is woman and veteran-owned. Her background in lending shapes how she looks at a family's or a company's whole picture.