Pay less. Save more.
Live lavishly.
I help California families cut what they pay — on Life & Health Insurance and taxes — while building income protection and generational wealth for the future.
Certified Agent
Coverage Summary
Backed by 20+ A-rated carriers.
I compare across every major carrier so you get the best fit, not just the one policy I happen to sell.
Life & Health Insurance
Life and health coverage compared across carriers, in plain language.
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Income Protection & Wealth
Life insurance and IUL strategies built for generational wealth creation.
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Retirement & Kids' Future
Planning for retirement and your children's future, side by side.
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Tax Services
Tax preparation and planning, handled alongside your insurance strategy.
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Energy Savings & Solar
Solar and energy-efficiency solutions to lower your monthly utility costs.
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Talk to an Advisor
20 minutes, no obligation — leave the call with real numbers.
Book a call →An advisor's job is comparison, not a sales pitch.
Carriers Compared
Every recommendation is checked against 18 appointed carriers, not one captive book.
No Cost to You
Advisory work is paid by the carrier, the same as if you enrolled direct.
Licensed in California
Lic 4080283 · Lic 141002 SP — appointed and in good standing.
Fast Turnaround
Illustrations back within a business day, most applications filed same week.
Plain-Language Illustrations
Every comparison is written down before you're asked to sign anything.
Ongoing Support
Same advisor on file through underwriting, renewals, and any claim.
Six ways to pay less and build more, one advisor to sort them out.
Every recommendation is written down like this — plainly, with the numbers that matter, before you sign anything.
Life Insurance
Term, whole, and final expense policies sized to what your household would actually need to replace — not a round number.
- Coverage range$50K – $2M
- Typical term10–30 yrs
- UnderwritingFull or simplified
Health Insurance
ACA marketplace plans and short-term bridges for the self-employed, early retirees, and anyone between employer coverage.
- Plan tiersBronze – Platinum
- Subsidy checkIncluded, free
- Open enrollmentNov 1 – Jan 15
Indexed Universal Life
Permanent coverage with a cash-value account tied to a market index — growth potential with downside protection, built for tax-advantaged wealth building.
- Cash value growthIndexed, floor 0%
- FlexibilityAdjustable premiums
- Best forLong-horizon planning
Retirement & Children's Future
Planning built around two horizons at once — your retirement timeline and what you're setting aside for your kids.
- Accounts reviewed401(k), IRA, 529
- Planning horizon10–40 yrs
- Best forFamilies & near-retirees
Energy Savings & Solar
Solar and energy-efficiency assessments to cut your monthly utility bill, done in partnership with Gold Rush Energy Solutions.
- AssessmentFree, on-site or remote
- Typical savingsVaries by usage
- Best forHomeowners
Tax Services
Tax preparation and planning handled alongside your insurance and retirement strategy, not separately from it.
- ServicesPrep & planning
- Best forIndividuals & families
- SeasonYear-round support
Get a rough number before we ever talk.
Adjust the fields below the way you would on an actual application. This is a planning estimate, not a quote — your real rate depends on health class and underwriting.
Three conversations, in this order, every time.
Consult
A 20-minute call or video chat about what you're actually trying to protect — income, a mortgage, a spouse's retirement, nothing more than that.
Compare
I run your numbers across the carriers I'm appointed with and send you a side-by-side, in writing, before any recommendation.
Enroll
We complete the application together, I stay on the file through underwriting, and I'm the number you call when anything changes later.
What clients say after the paperwork's done.
"Arun walked me through why term made more sense than whole life for where we are right now. No pressure toward the bigger commission."
"Arun walked us through the solar numbers honestly, including the parts that didn't pencil out yet. Our utility bill dropped the first month after install."
"Found a subsidy I didn't know I qualified for. Cut our premium by almost half for the same plan tier."
Arun Kaushal
I'm an independent financial advisor and energy savings & solar solution expert, appointed with carriers rather than employed by one — I get paid the same regardless of which company you end up with, so the comparison is the whole job.
I work with individuals and families across California on income protection, retirement, and children's future planning — plus energy savings and solar solutions to help lower what you pay every month.
Questions people ask on the first visit.
No. I'm paid a commission by the carrier you select, built into the premium — the same as if you enrolled directly. Comparing carriers costs you nothing extra.
Online quote tools show you list price. I can check whether you qualify for a better health class, catch riders you didn't know existed, and stay on your file if a claim ever needs to be filed.
Bring it to the first call. About a third of my new clients are replacing an old policy that no longer fits — I'll tell you honestly if switching is or isn't worth it.
I'm licensed in California and most consultations happen by phone or video anyway — energy and solar assessments are the only piece that typically calls for an in-person visit.
Twenty minutes, no obligation, and you'll leave with actual numbers.
Prefer to talk first? Call or text (530) 813-5110 or email skyservicesca@gmail.com — I answer most days 8am–6pm Pacific.
