Ion Financial & Insurance Services

06/08/2026

02/23/2026

Looking for clear answers on Medicare, life insurance, long-term care, or group benefits?
www.IFISconnection.com
is our new digital home where you can explore coverage options, run quotes, and connect with us when it’s convenient for you.

Independent insurance agent in Los Osos, CA. Health insurance, Medicare, life insurance, long-term care, dental, vision, and travel insurance. Serving the Central Coast since 2007.

11/10/2025

Operation Christmas Child drop-off week starts November 17th!

This amazing outreach lets us share Jesus and the gospel with children and families around the world. One simple shoebox can touch countless lives beyond the child who receives it.

Some people aren’t sure how to pack a box or prefer to contribute items in bulk—either way, you can help! Bring items to Agape for the youth wrapping party on November 23rd, or drop them off at my office:
📍 Ion Financial & Insurance Services
2106 9th St., Los Osos — open Mon–Thu 9 AM–3 PM.

This year’s theme says it all: “IT’S ALL ABOUT JESUS!”

Here are some great videos to inspire and share:
🎬 Kickoff Connect Volunteer Video

📦 Yuri’s Story – 1,100 Shoeboxes

⭐ Best Video Yet

🚢 Journey of a Shoebox

💌 Alex Ships a Shoebox for $10

🏠 Disaster Relief Story

🙌 Evangelism Through a Shoebox

Jesus changed my life in 1980 — and I can’t imagine life without Him. Let’s help others experience that same love this Christmas season! ❤️

— David A. Ion
📞 805-458-9022

10/28/2025

🛡️ Is Your Life Insurance Still Protecting the Right People?
Life changes — make sure your coverage keeps up.
Why a Quick Policy Review Matters
Over the years, I’ve seen too many people caught off guard because their policies didn’t reflect their current lives. A 15-minute review can uncover hidden risks like:
✅ Outdated Beneficiaries
Divorce, remarriage, or loss can leave an ex-spouse or deceased relative on your policy.
(Remember — beneficiary designations override your will!)
👶 New Family Members
Children or grandchildren born after your policy started may not be listed.
💰 Changing Financial Obligations
Paid off your home? Taken on new debt? Retired?
Your coverage should match your life today — not ten years ago.
⚠️ Underperforming Universal Life (UL) Policies
Many older UL policies are underfunded or at risk of lapsing because of low interest rates.
💼 Employment Changes
If you changed jobs, that “employer-provided” coverage may have ended when you left.
________________________________________
Let’s Make Sure You’re Still Protected
A complimentary review can confirm your policy is performing as expected and that your loved ones are still properly covered.
📞 Call: (805) 528-4358
📧 Email: [email protected]

09/29/2025

Dear Friends,

I’m reaching out to share some resources and opportunities connected with Operation Christmas Child through Samaritan’s Purse. Many of you have expressed interest, or you may know someone who would like to join in blessing children around the world with the love of Jesus.

This year’s theme is simple but powerful: “IT’S ALL ABOUT JESUS!”

Inspiring Videos
Best video I’ve seen yet:
https://www.facebook.com/reel/1966897927434084

Cost of shipping & the journey of a shoebox:
https://video.samaritanspurse.org/project-leader-workshop-journey-of-a-shoebox/
https://video.samaritanspurse.org/alex-ships-a-shoebox-for-10/

Disaster Relief:
https://video.samaritanspurse.org/when-a-shoebox-brings-great-joy-to-a-family-who-lost-everything/

Evangelism:
https://video.samaritanspurse.org/how-a-shoebox-is-one-of-the-best-evangelical-tools-you-have/

I’ve been a Christian for over 40 years, and Jesus still never ceases to amaze me. His love, grace, and mercy have no end. He calls us to reach the nations—and through something as simple as a shoebox, we can share His Gospel in places we may never personally go. Though I’m based here on the Central Coast of California, I believe I’ll meet many of these children and their families someday in heaven.

National Collection Week
November 17 – 24, 2025
During this week, there are many ways to get involved:

Serve at Agape Church in San Luis Obispo during a 2–3 hour shift receiving gift boxes.

Host or attend a wrapping party.

Provide resources for a packing party.

Give financially to help send shoe boxes worldwide.

Pray for the children and families who will receive these gifts, that the Gospel of Jesus would transform their lives.

Thank you for considering how you might participate or share this with others who may want to help. Together, we can impact lives for eternity.

Blessings,
David A. Ion
Team Leader, Agape Church – San Luis Obispo
📞 805-458-9022

In every corner of the earth, little ears are eager to hear the Gospel. That’s why Samaritan’s Purse sends gift-filled Operation Christmas Child shoeboxes to children in need around the world, together with the message of the Gospel of Jesus Christ. Each year, we have new opportunities to help c...

09/25/2025

I'm being asked more and more to offer dental plans that offer out of network coverage. More and more dentists have stopped taking insurance but will bill a PPO plan. This plan seems popular at this time.

09/24/2025

"I often meet successful professionals who feel good about their investments but aren’t sure if their wealth is fully protected from unexpected health costs, taxes, or legacy risks. That’s where the right planning makes all the difference. If you’d like me to share a few smart strategies tailored to your situation, send me a quick message.

09/22/2025

Why I Believe in Long-Term Care Insurance

Because it’s not about the person needing care—it’s about the family who carries the burden.

The Caregiver Shortage

In 2010: 7 potential caregivers for each person over 80.

By 2030: only 4 to 1.

By 2050: just 3 to 1.

Already: $470 billion (2019) in unpaid family caregiving each year.

The Toll on Families

Caregivers are more likely to develop chronic illness.

Up to 10 years shorter life expectancy due to stress.

70% of family caregivers suffer symptoms of depression.

Caregiving drains marriages, finances, and future retirement benefits.

Immune system impacts can last 3 years after caregiving ends.

The Reality I See

Many couples are already quietly helping with 2–5 Activities of Daily Living (ADLs).
➡️ Just 2 ADLs can trigger a long-term care claim.

Why Planning Matters

Your loved ones aren’t selfish—they’re often unaware of the emotional and financial cost of their care. But would your parents or spouse really want to place that burden on you?

Planning is an act of love.
A long-term care policy gives your family:
✅ Permission to hire help
✅ Protection from financial devastation
✅ Freedom to focus on relationships, not caregiving stress

Solutions Available Today

Traditional LTCI

Asset-based LTCI

Life insurance with an LTC rider

Annuities with an LTC rider

My Personal Why

Cared for my father with MS

Helped my wife care for her mom for 8 years

Supported my mom as she cared for her husband with dementia

Now helping my mom in memory care with Alzheimer’s

👉 I’ve lived it. I’ve seen the toll caregiving takes. That’s why I do what I do.

Take Action Now

Long-term care planning is not about fear—it’s about protecting your family.

📞 Call me today to start the conversation. 805-528-4358

09/17/2025

With over 20 years of experience in the financial and insurance services industry, I specialize in helping individuals and families navigate the complexities of life insurance, group health, Medicare, disability income, long-term care, dental/vision, and travel insurance. I hold several professional designations, including LUTCF (Life Underwriter Training Council Fellow) and FSS (Financial Services Specialist), which reflect my commitment to providing expert advice and solutions tailored to my clients' unique needs.

As life changes, so do insurance needs. I work closely with my clients to ensure their coverage is aligned with both their current circumstances and future goals. Whether it’s a simple review of existing policies or a more comprehensive assessment of future needs, I’m here to guide you every step of the way.

Many times, it’s just a matter of ensuring that beneficiaries and coverage amounts are up to date. I offer complimentary policy reviews to help ensure that your protection is still right for you and your family, as life events and needs evolve.

Feel free to reach out to me at 805-528-4358 or [email protected]
to schedule a no-cost, no-obligation consultation. Let’s review your coverage and make sure you’re prepared for the future.

09/16/2025

Too often, families are caught off guard by the cost and stress of long-term care. That’s why I’m passionate about long-term care insurance. It’s not just about protecting assets—it’s about protecting dignity, choices, and family peace of mind.

There are two main ways to plan ahead:
✅ A traditional long-term care policy that covers care costs directly.
✅ A life insurance policy with a LTC rider, which lets you use the death benefit while living if you need care.

Both can help safeguard your future and reduce the burden on your loved ones. The best time to plan is before life forces the decision on you.