Wouldn't it be wonderful to be able to sail around the world, seemingly without a care, knowing that our homes, our vehicles and vessels, and our incomes and life savings are properly protected by insurance? But when a business owner or an individual says, "I am fully covered," the reality is that they often misunderstand what their policies will do for them. And this can — and does — get folks into trouble at precisely the wrong time. Max Herr Insurance Services is dedicated to seeing that insurance consumers identify and appreciate their risk exposures and are properly insured. This includes making sure they fully understand the insurance coverages they currently have, how they work, what is and is not covered, and closing any coverage gaps that have inadvertently been left exposed.
Sometimes these coverage shortfalls are the result of inexperienced, careless, or poorly trained agents, improper insurance company policy interpretations, or deliberate bad acts, faulty product design, or unfair or fraudulent business practices . . . and they have caused real people to lose real money. Max Herr is working to prevent these things from happening, and to help folks obtain restitution and other satisfactions after they've been discovered.
Max has a Master's degree in Communications from California State University, Fullerton, and a Bachelor's degree from California Baptist University in Riverside, CA. First licensed as a Life & Disability Insurance Agent in 1980, he is also a licensed Property & Casualty Broker-Agent, and holds the prestigious California Life & Disability Insurance Analyst's license — one of only 28 such persons in the entire state.
Since September 2000, Max has taught courses in life and health insurance, property and casualty insurance, and securities. As a Subject Matter Expert, he provides curriculum design and editorial services to national insurance and securities educational providers for both print and web-based learning environments.
On January 21, 2014, California Insurance Commissioner Dave Jones appointed Max to a three-year term as a member of the Department of Insurance Curriculum Board. Members of this prestigious body, in close cooperation with career employees of the Department of Insurance Producer Licensing Bureau, establish educational objectives for the various prelicensing courses and examinations required by each of license types issued by the Commissioner, as well as subject matter outlines for various continuing education courses required for license renewals. Max will be representing the interests of Agents and Brokers as a Subject Matter Expert in Life Insurance, Accident and Health Insurance, and Property and Casualty Insurance.
California insurance consumers may obtain an overview of the services, resources, and information provided at no cost by the California Department of Insurance or request assistance from the CDI (complaints concerning insurance companies and their products, agents, or claims matters) by clicking on these links:
Click the image above to go to the CDI Home page, or click the links below for more information.
The CDI handles complaints concerning most insurance companies, including Preferred Provder Organizations. However, if you are a member of a Health Maintenance Organization ("HMO") and need to file a complaint about the services you receive, you must contact the Department of Managed Health Care. Click the link below for the information about resolving Problems and Complaints at the DMHC website or click the link to the DMHC Help Center for information on how to file a complaint by phone, mail, or online.
Click the image above to go to the DMHC Home Page or on the individual links below for more help.
Click on the image above for information about Medi-Cal from the Department of Health Care Services
Many educational and other informative resources are available for investors and provided at no cost by the Financial Industry Regulatory Authority (FINRA) and the Securities and Exchange Commission (SEC) at their respective websites. Use these links:
Official SEC Investor Information website
The most current information and resources about Social Security and Medicare may be obtained from their official US Government websites, or through the Health Insurance Counseling & Advocacy Program (HICAP) administered by the California Department of Aging. Use these links:
Information about Medicare, Medicare Supplement Insurance, Medicare Advantage, and Prescription Drug Plans
Official Social Security home page
Access your personal Social Security Account details here
The Centers for Medicare and Medicaid Services are responsible for processing Medicare Claims
Free services for Seniors and their families concerning Long Term Care, Social Security, and Medicare.
NOTICE: This Web site is owned and maintained by Max Herr Insurance Services, which is solely responsible for its content. This site is not maintained by or affiliated with Aetna, Anthem/Wellpoint, Blue Shield of California, Health Net, Kaiser Permanente, LA Care, Molina Healthcare, United Healtlhcare, or any other insurance company, government entity, or regulator whose trademarks, servicemarks, or logos appear on any pages herein. The aforementioned insurers bear no responsibility for the content of this website. The e-mail addresses and telephone numbers that appear throughout this site belong to Max Herr Insurance Services, and cannot be used to contact any insurer directly.