Over 20 Years of Experience | CA License #0F18535 | NV License
About Us
Personalized Health Insurance for Every Stage of Life
At PROWE Insurance Solutions, we take the confusion out of health coverage. Whether you're self-employed, between jobs, or just tired of overpaying, we find the plan that fits your life and your budget.
See Any Doctor, Anywhere
You Choose Your Deductible
Plans Starting at Just $120/mo
YoUr Expert BRoker
Patrick Rowe
Patrick Rowe brings over 20 years of hands-on experience in the insurance industry, guiding individuals and small businesses through the complexities of coverage options with clarity and care. As the owner of Prowe Insurance, he is dedicated to providing personalized insurance solutions that balance strong protection with affordable rates. Patrick believes in building trust through transparency and service, meeting clients where they are—whether in person or virtually—to ensure every policy fits their unique needs and budgets. His commitment to educating clients and tailoring coverage plans makes him a reliable partner in safeguarding what matters most.
Frequently Asked Questions
What is health insurance, and how does it work?
Life insurance is a contract between you and an insurance company, where you pay regular premiums, and in return, the company provides a lump-sum payment, known as a death benefit, to your beneficiaries upon your passing. This payment can be used to cover expenses such as funeral costs, mortgage payments, and other financial needs.
What types of health insurance policies are available?
There are primarily two types of life insurance: Term life insurance, which provides coverage for a specified period (e.g., 10, 20, or 30 years), and Whole life insurance, which offers lifelong coverage and includes a savings component that builds cash value over time.
How much health insurance coverage do I need?
The amount of life insurance you need depends on your financial obligations, such as mortgage payments, outstanding debts, future education costs, and your family's living expenses. A general rule of thumb is to have coverage that is 5-10 times your annual income, but this can vary based on individual circumstances.
Can I change my health insurance policy after purchasing it?
Yes, many life insurance policies offer flexibility. You may be able to adjust your coverage amount, convert a term policy to a whole life policy, or add riders for additional benefits. It's important to review your policy regularly and discuss any changes with your insurance advisor to ensure it continues to meet your needs.
I never realized how much I could save on insurance until working with Patrick. I immediately saved over $1,000 on coverage. The advisors were knowledgeable and compassionate, helping me navigate the process with ease. Now, I feel confident that my family won't face financial hardships in the event of the unexpected.
James R
Patrick and his team were incredibly patient and took the time to explain all my options, ensuring I found the perfect policy to meet my needs. I can now focus on living life to the fullest, knowing that my loved ones are protected.
Sarah M