Karm Financial Group - San Diego, California

David Gatlin

My wife and I initially contacted Jacob to inquire about Long-Term Care Insurance, but it turned out to not fit our financial situation. Jacob offered an alternative option in the form of an annuity with a long-term care doubling feature that worked perfectly for us. We did not even know such an option existed. Jacob was extremely knowledgeable, patient (explained certain aspects 3 or 4 times until we fully understood), super friendly and easy to work with, and was NOT pushy in any way, but simply explained our available options and allowed us to make our informed decision. We couldn't be happier!

Deb Doug Rasines

My wife and I purchased long term care insurance policies from Jacob over 13 years ago. After recently receiving documents from the insurance provider regarding significant potential premium increases we contacted Jacob. He was extremely helpful in providing guidance regarding current and future policy options available to us. It was nice knowing that Jacob was available for us when we needed him.

Mary Pat Slate

Jacob came recommended to me through Dave Ramsey. I reached out to him for Long Term Care insurance and he was extremely helpful. He really took the time to explain all my options to me and helped me evaluate the pros/cons of different plans. He was extremely patient and knowledgeable. Finally, his communication and follow through have been exceptional. I give him my highest recommendation.

Robert Schuweiler

Jacob provided superb services to me and my family. My initial inquiry was about what to do about increasing costs of our Long Term Care Policies. After providing great ideas and guidance we looked at the current benefits of Fixed Rate Annuities as a companion strategy. Great stuff so here's what to add:

- sincere concern for the customer's needs
- transparent with all data including what financially was in it for him
- able to produce verbally and graphically clear and precise information
- Highly capable in the use of electronic meetings, calendars and presentations
- sends copies of customer selected slides promptly

Rob Schuweiler
Everett, WA

Carol De Los Santos

Jacob is a professional insurance agent who worked tirelessly to find an A plus company to meet my long term care needs. We zoomed, texted and spoke almost daily keeping our lines of communication open. Jacob provided me with complete information on each company so that I could make informed decisions. I gave Jacob 5 stars for his exceptional service and when you give him a call, you won’t be disappointed.

Parham Nematollah

I have had a working relationship with Jacob and The Karm Financial Group for many years. Jacob is committed, responsive, and is always looking to find ways to maximize services and add additional value for me and my family. Jacob will always personally work with you directly and you never become just a number or lost in the shuffle of some big agencies. Highly recommend.

Paul Farley

Highly Recommend...
Jacob was a pleasure to work with through the entire process of setting up the correct Long Term Care Insurance for me. He was patient and responsive and an excellent guide helping me navigate my choices. He expertly addressed my concerns. I am very pleased with what he crafted. Most importantly he does the follow up and stays engaged.

Steve D

My wife and I purchased a LTC policy from Jacob ten years ago. We knew next to nothing about the ins and outs of such policies. Jacob worked with us to tailor a policy to our needs with clear explanations/illustrations of the options. We purchased the policies along with single premium annuities designed to provide tax-free income for LTC premium payments after ten years.
Over the years I had regular check-ins with Jacob about our coverage. He was always available (even on his honeymoon in Europe!) and promptly addressed our issues.
But here is the important part: We needed to utilize the benefits when my wife was diagnosed with terminal brain cancer in 2019. As her condition deteriorated we needed the LTC benefits of our policy. Jacob and Genworth stepped up and we received the much needed and appreciated help for her care. The last thing anyone needs in a time of crisis is insurance hassles but we received professional and compassionate assistance.
This summer (2023) marks the 10 year policy anniversary. Jacob contacted me to facilitate the transition to the annuity payouts that will now cover (again, tax-free) most of my LTC premiums.
Jacob's professionalism and vigilance have resulted in this being possibly the most important and financially valuable investment I have made. It is tremendously comforting to know that he will be there should the occasion ever arise again.