Essential Exchange Insurance Services

Essential Exchange Insurance Services I serve and help Families, Business Owners and Medicare Beneficiaries navigate their health insurance options. Hello! Think of me as your health plan concierge.

My name is Cathy Little with Essential Exchange Insurance Services. I’m a licensed insurance agent with 25+ years of experience. I’m passionate about helping people choose the health plan that best fits their situation, year after year. My service and expertise are absolutely no cost to you. As an independent agent, I work for you and my service is year-round, so if you have a question just call m

e. My job is to educate you and present you with all of the available options so that you can make good decisions about your healthcare and rest assured nothing has been overlooked. I proudly serve as a volunteer executive board member of the California State Association of Health Underwriters (CAHU), we are a professional trade association that monitors healthcare legislation affecting those on Medicare, individuals and small businesses and we proactively advocate for consumers and clients. Medicare Disclaimer: We do not offer every plan available in your area. Currently we represent 12 organizations which offer 65+ products in California. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options. CA License # 0C99062

As life insurance agents, we are often asked about policy additions individuals can make to their existing life insuranc...
06/02/2026

As life insurance agents, we are often asked about policy additions individuals can make to their existing life insurance policies. That being said, we wanted to share some information about a popular optional life insurance feature that may benefit you: a guaranteed insurability rider. Swipe for more details.

If you’re considering whether or not a guaranteed insurability rider is right for your policy, feel free to reach out. We are always happy to review the timing rules, limits, and cost structure to help you decide if this feature aligns with your long-term goals.

As summer approaches, calendars fill up quickly. This is often when routine health care gets put off, but taking care of...
05/28/2026

As summer approaches, calendars fill up quickly. This is often when routine health care gets put off, but taking care of these preventive services early can help keep you healthy all summer long. Many of these services are covered under health plans and are designed to detect potential issues early, before they turn into more serious health concerns.

Coverage varies, but common preventive services may include:

✅ Annual wellness visits and routine physical exams.
✅ Blood pressure, cholesterol, and diabetes screenings.
✅ Cancer screenings.
✅ Well-child visits and developmental checkups.
✅ Recommended vaccinations.
✅ Preventive counseling related to nutrition, to***co use, or mental health.

Booking appointments in advance can also help avoid scheduling bottlenecks and missed coverage opportunities.

If you have questions about what your plan covers, don’t hesitate to reach out. Our team is here to help guide you.

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made...
05/25/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

Throughout your life, you’ll go through many changes. Your health insurance should keep up with them. Regardless of whet...
05/19/2026

Throughout your life, you’ll go through many changes. Your health insurance should keep up with them.

Regardless of whether you’re exploring new plan options, adding dependents, or selecting additional coverages, we’re here to make sure your health insurance is keeping up with your needs.

If you have any questions about your current coverage or if you would like to explore your options, don’t hesitate to reach out. We are here for you.

If you or a loved one has been scammed, it can feel incredibly stressful and overwhelming. The good news is that there a...
05/15/2026

If you or a loved one has been scammed, it can feel incredibly stressful and overwhelming. The good news is that there are dedicated resources to help you recover funds, protect your identity, and report fraud.

🔹 FTC Fraud Reporting - Report fraud and get personalized recovery steps at https://reportfraud.ftc.gov/

🔹 FBI Internet Crime Complaint Center (IC3) - Report internet-facilitated crimes at https://reportfraud.ftc.gov/

🔹 Identity Theft Recovery - Get a recovery plan at https://www.identitytheft.gov/, the U.S. government's official identity theft website

🔹 AARP Fraud Watch Network - Reach out for support and guidance at https://www.aarp.org/money/scams-fraud/helpline/

The best thing you can do if you believe that you’ve been scammed is to report the fraud immediately. And remember, you are not alone.

We hope that you find this information helpful. As always, feel free to reach out if you have any questions or need guidance within the team’s area of expertise.

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there....
05/10/2026

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there.

From the late nights of the newborn stage to the late nights waiting up for teens, we owe moms a debt of gratitude — and sleep!

So whether you’re a mother yourself, you’re celebrating your mom, honoring your partner, or recognizing another maternal figure in your life, we hope this day is full of appreciation.

Graduation season is here, and our team at Essential Exchange Insurance Services is cheering on every graduate across ou...
05/06/2026

Graduation season is here, and our team at Essential Exchange Insurance Services is cheering on every graduate across our Brentwood and East Bay communities!

From Pre-K promotions to college and advanced degrees, this milestone is a reminder of hard work, resilience, and fresh opportunities ahead.

We’re excited to see what the next chapter brings for your graduate. Here’s to new beginnings, big goals, and bright futures 🎉

You probably know that saving money for a rainy day is smart, but did you know that a life insurance policy can be a par...
04/30/2026

You probably know that saving money for a rainy day is smart, but did you know that a life insurance policy can be a part of that strategy?

Some life insurance policies can build cash value over time, and this cash value can help protect you and your family “on a rainy day.” Additionally, some life insurance riders and your death benefit can help protect your family financially if anything were to happen to you.

If you have any questions about your life insurance policy, give us a call, and we can help ensure it is meeting your needs.

Now that spring is in full swing, you might find yourself tidying your space and taking time to refresh all aspects of y...
04/20/2026

Now that spring is in full swing, you might find yourself tidying your space and taking time to refresh all aspects of your life. While you’re at it, you should add spring cleaning your life insurance beneficiaries to your list. This can go beyond just making sure your designations reflect your life today; it can also include ensuring they are beneficial in the long term.

For example, did you know that naming a minor child or a loved one with special needs as a beneficiary can carry potential financial consequences? Swipe for more information.

If you want to review life insurance beneficiaries, give us a call. We can find some time to schedule a review and make sure your life insurance policies are protecting what matters most.

Stress Awareness Month reminds us that workplace stress has real health consequences, ranging from mental health concern...
04/14/2026

Stress Awareness Month reminds us that workplace stress has real health consequences, ranging from mental health concerns to cardiovascular health issues. Swipe to learn how your plan helps.

If you'd like to review what's included in your current plan or discuss ways to enhance your stress-management support, please give our office a call. We're here to help your team thrive.

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Brentwood, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 3pm

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