Tyson Ives Insurance & Real Estate

05/19/2026

If someone passes away and you believe they may have left behind money, life insurance, property, or other assets, most people don’t know where to even begin looking.

Here are 3 of the main places to check in California (Los Angeles):

🔍 1. Life Insurance Policy Search
If you believe you may have been named as a beneficiary, start here:
NAIC Life Insurance Policy Locator

💰 2. California Unclaimed Property
This may include old bank accounts, insurance payouts, refunds, stock accounts, and other forgotten funds:
California Unclaimed Property Search

⚖️ 3. Probate Court / Estate Records
If there were assets or property involved, there may be a probate case or estate filing:
LA County Probate Case Search

🏡 Additional resource for property ownership records:
LA County Real Estate Records

Many people never check these places properly, and in some cases assets remain unclaimed for years.

💬 If you think this situation may apply to you or your family and want help understanding where to start, feel free to send me a message.

This is general information only and not legal advice. Insurance services offered through a separate company under Symmetry Financial Group and not affiliated with Keller Williams.

CA Insurance Lic #4182795
CA Real Estate Lic #02157270

01/12/2026

Life insurance isn’t just about the future, it’s about protecting the people and moments you care about today. From covering everyday expenses to helping your loved ones stay financially secure, life insurance is one way to show up for your family, no matter what life brings.

07/11/2025

02/21/2025

Medical errors, whether intentional or unintentional, can significantly impact a person's life, especially when it comes to the Medical Information Bureau (MIB) and life insurance eligibility. While many doctors and hospitals aim to provide the best care, there are instances where incorrect diagnoses or improper coding may affect individuals' medical records and, ultimately, their insurance status.

One common issue arises from *unintentional coding errors*. In the complex world of medical billing, doctors and healthcare providers sometimes make mistakes in coding, which may result in overbilling or falsely indicating a higher level of care. These errors, though not typically done with malicious intent, can be interpreted as fraud if they are repeated or cause significant harm to the patient, such as affecting their insurance eligibility [oai_citation:1,Doctor mistakes that may be considered fraud | Ottenwess Law](https://www.ottenwesslaw.com/blog/2024/02/doctor-mistakes-that-may-be-considered-fraud/).

There are also instances where *doctors misrepresent diagnoses* or fail to update a patient's record, leading to incorrect information being reported to the MIB. This could lead to serious consequences when applying for life insurance, as the MIB's records are consulted to assess the risk of insuring an individual. For example, if a doctor erroneously indicates that a person has a serious pre-existing condition when they don't, it could cause life insurance companies to either deny coverage or offer it at much higher rates [oai_citation:2,MIB Group Report Errors and Your Consumer Rights](https://www.consumerlawfirm.com/medical-information-bureau-inc.htm).

While most errors in medical billing are unintentional, there are cases where they are not. *Intentional fraud*, such as doctors misrepresenting diagnoses for higher reimbursements, can lead to a multitude of issues for patients. Some doctors might exaggerate diagnoses or use incorrect codes to increase their payment from insurers. This practice not only violates ethical standards but also can trigger financial and legal penalties [oai_citation:3,Why Do Doctors Commit Healthcare Fraud? | Levine & Levine](https://www.levine-levine.com/blog/2021/december/why-do-doctors-commit-healthcare-fraud-/).

The best way to avoid these complications is to regularly check one's medical records and MIB reports. If something seems inaccurate, it is essential to address it immediately by contacting the healthcare provider, insurer, or the MIB itself. Understanding the potential for both unintentional and fraudulent medical billing errors can help individuals protect their access to fair insurance coverage.

If you're concerned about the accuracy of your medical records or MIB report, consulting with a legal or insurance professional can provide guidance.

Our Kalamazoo healthcare fraud lawyers explain types of healthcare fraud and why doctors break the law when billing for services.

02/12/2025

Have you ever stopped to ask why someone else gets to decide how much you earn? Have you ever thought about what it would be like to take control of your own destiny instead of leaving it in someone else’s hands?

While individual results vary, it’s absolutely possible to earn income nearly every day if you put in the work. This is a 1099 life insurance sales position that offers the flexibility to work from home or anywhere as long as you’re licensed and have a phone and a computer.

**What You’ll Do**

- Contact potential clients who have already expressed interest in life insurance.
- Set virtual or in-person appointments to understand their needs and recommend suitable coverage.
- Guide clients through the application process and work with carriers to secure policies.
- Follow up with clients to ensure their policies remain in good standing.
- Continuously develop sales skills and product knowledge through company-provided training.
- Maintain your schedule and pipeline to maximize earnings potential.

**What We’re Looking For**
- Driven individuals who want to control their income and work independently.
- Strong communication skills and the ability to build relationships.
- A willingness to learn and adapt to proven sales systems.
- Licensed life insurance agents (or those willing to get licensed).

**Why This Opportunity?**

- Flexible schedule– Work when and where you want.
- Uncapped earnings– Your income is based on effort, not an hourly wage.
- Daily pay potential – Get paid as you make sales.
- Comprehensive training – No experience needed; full mentorship and support provided.

If you’re ready to break free from the limits of a traditional job and take charge of your financial future, let’s talk!

12/21/2024

Tax Season: The Perfect Time to Invest in Yourself—and Your Family

As Christmas approaches, we’re also inching closer to tax season. For many, a tax refund feels like a bonus—a little extra cash to play with. I’ll admit, back when I worked a 9-to-5, I was guilty of spending my refund on liabilities and temporary fun. One year, I bought a 50-inch TV. Another year, I booked an international vacation. And honestly? It felt great at the time.

But over the years, my perspective has shifted. Since stepping into the financial services industry, I’ve come to understand the importance of using money wisely. Don’t get me wrong—fun is important. But the most meaningful investment isn’t something you can buy at a store or experience on a tropical beach.

The best investment you can ever make is in *yourself*.

The Power of Investing in You

When I say “invest in yourself,” I don’t mean stocks, bonds, mutual funds, or even real estate. I mean YOU.

Taking care of yourself and expanding your knowledge are two of the smartest investments you’ll ever make. Knowledge is one thing no one can take away from you. They can fire you, rob you, or sue you—but your skills and expertise? Those are yours to keep.

When you invest in yourself, you’re setting a foundation for resilience. No matter what life throws your way, you’ll always have the tools to rebuild.

But There’s a Second Investment—Also in You

Let me take this a step further. Beyond your education and personal growth, there’s another critical investment you should consider: Your family’s financial future.

Let’s be real: Life is unpredictable. Everything might be smooth sailing today, but what happens if, God forbid, you don’t make it home tomorrow? Can your family maintain the same lifestyle without your income?

For many people, the honest answer is no. Yet, life insurance often gets overlooked. People don’t take it seriously until it’s too late. By the time you *need* life insurance, chances are you won’t qualify for the policy you want.

Why Tax Season Is the Perfect Time to Start

If you’re expecting a tax refund this year, consider using it to secure something more lasting than a new TV or vacation. Now is the perfect time to think about life insurance.

Here’s why:

1. Build Cash Value.
Certain types of life insurance, like whole life or indexed universal life (IUL), allow you to build cash value over time. This can be a powerful financial asset that grows tax-deferred.

2. Living Benefits.
Modern life insurance policies often come with living benefits, which provide access to funds if you experience a critical, chronic, or terminal illness.

3. Downside Protection.
Products like IULs protect your money from market losses. You can grow your wealth without worrying about the next market crash wiping it out.

A Message to My Clients

Life can change in an instant. Don’t wait for the unexpected to remind you of how fragile financial stability can be. Life insurance isn’t just about preparing for death, it’s about providing for your family, protecting your wealth, and ensuring peace of mind while you’re alive.

So this tax season, before you splurge on something temporary, ask yourself: What’s the best way to invest in me and my family’s future?

Let’s make this year the one where you secure lasting benefits for yourself and those you love. Reach out, and I’ll help you explore options that work for your goals and budget.

Final Thoughts

A tax refund can be a lot of fun, but it’s also an opportunity. Whether it’s building your knowledge, securing life insurance, or planning for the unexpected, remember that the best investment you can make is in YOU.

So, what’s your next move?

12/17/2024

Empowering the Community:
Financial Literacy and Trust in Life Insurance

In many underserved communities, there’s often a gap in access to quality financial education. This includes the world of life insurance—a vital tool for building generational wealth and financial security. Too often, we’ve been left out of these conversations, leading to misconceptions and missed opportunities. It’s time to change that.

Life Insurance Is More Than a Product—It’s a Plan for Your Future.

Life insurance isn’t just about selling policies; it’s about creating a pathway to a better future. I’ve come to realize that my role as an agent isn’t just to offer you a product—it’s to educate you. My job is to show you how life insurance can protect your loved ones, provide living benefits, and give you the financial flexibility you may not even realize is possible.

When you sit down with an agent, you should leave the conversation feeling informed and empowered—not confused or pressured. The right policy should help you improve your future, not just maintain the status quo. That means understanding how the coverage fits into your overall financial picture and how it compares to what you have today.

Trust Is Everything

In our communities, trust is sacred, and for good reason. Historically, we've been taken advantage of by institutions that were supposed to help us. This is why trust in your insurance agent is critical.

If you’re going to invest in a product without doing all the research yourself, you need to know that your agent is both trustworthy and knowledgeable. Unfortunately, not every agent meets that standard. Some are more focused on making a sale than truly understanding their client’s needs.

In fact, I’ve seen agents who have been in the business for years but only have surface-level knowledge of the products they offer. This can lead to clients being sold policies that aren’t the best fit for them—policies that might lack crucial benefits like living benefits or offer less value than other options.

That’s why I strongly encourage you to work with someone who is not only trustworthy but also deeply informed. Ask your agent questions. Push for clarity. And if something doesn’t feel right, don’t be afraid to walk away.

The Cheapest Policy Isn’t Always the Best Policy

One of the biggest misconceptions I see in our community is the idea that the cheapest life insurance policy is the best deal. While affordability is important, it’s not the only factor to consider.

For example, some policies may offer the similar price as a “cheaper” policy but include living benefits—features that allow you to access your death benefit while you’re still alive if you experience a critical, chronic, or terminal illness. These benefits can make a huge difference in your quality of life, but they’re often overlooked because they aren’t explained to clients.

A good deal isn’t just about saving money today; it’s about maximizing the value of your coverage over time. That’s why it’s crucial to work with an agent who takes the time to compare options and tailor the policy to your specific needs.

Financial Literacy Is The 🔑

The lack of financial literacy in our communities is one of the biggest barriers to building wealth. Many of us were never taught how to properly use tools like life insurance, retirement accounts, or investments to secure our futures. Instead, we’re left to figure it out on our own—or worse, we’re sold products without fully understanding how they work.

It’s time to change that narrative. Life insurance isn’t just for the wealthy—it’s for anyone who wants to protect their family, leave a legacy, or build financial stability. But to use it effectively, we need education. We need to understand the difference between term and whole life policies, the importance of riders like living benefits, and how insurance can fit into a larger financial strategy.

Bringing Knowledge to the Hood

For too long, our community has been left out of the conversation about financial literacy. It’s up to us to make sure we’re informed and empowered.

-Ask questions

When you meet with an agent, don’t just take their word for it. Ask about the policy, the benefits, and how it compares to other options.

- Seek education

Look for workshops, seminars, or online resources that explain life insurance in simple terms.

-Share knowledge

If you’ve learned something valuable, share it with your friends and family. We grow stronger when we lift each other up.

Conclusion

Life insurance is about more than just a monthly payment—it’s about protecting your future and building a legacy. But to make the most of it, we need to prioritize education and trust.

Let’s work together to bring financial literacy to our communities. Let’s make sure we’re not just buying policies but understanding how they can improve our lives. And most importantly, let’s hold each other accountable to do better—not just for ourselves, but for the generations to come.

12/10/2024

Wealth Secrets of the Rich:
(How Life Insurance Can Make You Wealthy Too)

What if the same strategies that wealthy people use to build fortunes were available to you? For decades, the rich have quietly used life insurance to fund businesses, buy properties, and grow generational wealth. Here’s the game-changer: you don’t need millions to use these strategies.

Life insurance isn’t just about leaving money behind. It’s about creating opportunities while you’re alive. Want to know how? Let’s uncover the secrets behind Indexed Universal Life (IUL), Infinite Banking, and Premium Financing. tools that can help you achieve financial freedom and build the life you’ve always dreamed of.

1. Indexed Universal Life (IUL): Grow Your Money Safely

What is it? : An IUL is a type of life insurance that allows you to build cash value over time. Your money grows based on the performance of the stock market index (like the S&P 500), but with a big advantage: **your money won’t lose value when the market goes down.**

How does it work? : Part of the premium you pay builds cash value, which grows tax-free. Over time, you can borrow from this cash value for any reason—like buying a house, starting a business, or funding retirement.

Scenario: Imagine you’re 35 years old and start an IUL policy. By the time you’re 55, your policy’s cash value could grow to $300,000 or more, depending on your contributions. You could then borrow $100,000 from the policy (tax-free) to buy an investment property, all while your death benefit remains intact.

2. Infinite Banking: Be Your Own Bank

What is it? : Infinite Banking is a strategy where you use the cash value in a whole life insurance policy to finance your own purchases instead of relying on banks.

How does it work? : You borrow money from your policy’s cash value for big expenses—like buying a car, funding a college education, or investing in real estate. You repay yourself (with interest) instead of paying a bank.

Scenario: Let’s say you need $50,000 to purchase a car. Instead of taking a car loan, you borrow from your whole life insurance policy. Now, instead of paying interest to a bank, you pay it back to your own policy, growing your cash value even further. Over the years, this cycle allows you to grow wealth while keeping your money within your control.

3. Premium Financing: Big Policies Without Big Payments

What is it? : Premium Financing is a strategy where wealthy individuals take out loans to pay for large life insurance premiums. The cash value of the policy is used as collateral for the loan.

How does it work?: By financing the premiums, individuals can maintain their cash flow while still reaping the benefits of a large life insurance policy. The loan is paid off using the policy’s future cash value or death benefit.

Scenario: Imagine you’re a business owner who wants a $10 million life insurance policy but doesn’t want to tie up your money. With Premium Financing, a bank covers your premiums, and you repay the loan from the policy’s cash value years later. Meanwhile, you enjoy the tax-free growth and protection the policy provides.

Life Insurance: More Than Death Benefits

It’s not just modern-day strategies that make life insurance a wealth-building tool. History is full of examples of famous people using life insurance creatively:

Walt Disney borrowed from his life insurance to fund the creation of Disneyland.

Doris Christopher, founder of Pampered Chef, used her policy to start her business, which she later sold to Warren Buffett.

These examples show how life insurance isn’t just about protection, it’s about creating opportunities.

Why This Matters to You: These strategies aren’t reserved for billionaires. Regular people can use IULs, Infinite Banking, or even Premium Financing to create financial freedom. Whether it’s buying a property, funding a dream, or retiring comfortably, life insurance can be your secret weapon to building wealth.

Want to learn how this could work for you? Let’s explore your options today.

12/06/2024

Why Everyone’s Talking About IULs (Indexed Universal Life Insurance)

Ah, Indexed Universal Life Insurance better known as IULs. These days, it seems like everyone from your financial advisor to your hairstylist is buzzing about them. But why are IULs so popular now? Are they the “it” product of the financial world, like avocado toast is to brunch? Spoiler alert: Yes. And here's why they might just be the financial superhero you've been looking for.

What’s an IUL? (Without the Jargon)

Imagine if a savings account, life insurance policy, and a stock market strategy had a baby. That’s an IUL. It’s a life insurance policy that not only protects your loved ones when you're gone but also lets you build cash value while you’re still here, living your best life. The cash value grows based on the performance of an index like the S&P 500—but here’s the kicker: if the market tanks, you don’t lose money. No crying over lost investments? Yes, please.

Why Are IULs Trending?

Here are some reasons IULs are flying off the financial shelves faster than pumpkin spice lattes in October:

1. Stock Market Without the Stress
The market goes up? Your cash value grows. The market goes down? You don’t lose a dime, thanks to a feature called the “floor.” It’s like playing Monopoly and always landing on “Free Parking.” No downside, just upside.

2. Tax-Free Growth
Uncle Sam is invited to a lot of parties, but your IUL growth isn’t one of them. That’s right—the cash value you build grows tax-deferred, and if done right, you can access it tax-free. It’s the financial equivalent of finding out calories don’t count on weekends.

3. Built-in Flexibility
IULs are like the Swiss Army knife of financial tools. Need more coverage? Adjust the death benefit. Want to focus on savings? Shift your premium payments. Your policy can grow with you, whether you’re starting a family or planning a beach retirement.

4. Retirement Income, Anyone?
When you retire, you can borrow against your cash value for a steady stream of income. It’s like having a personal ATM that never judges you for taking out cash at 2 a.m.

Who Can Benefit From an IUL?

IULs aren’t just for the ultra-wealthy—they’re for anyone looking to protect their family and grow their wealth. Here’s who might love an IUL:

Young Professionals
Start early, and you’ll have a nest egg ready when you need it most. Plus, locking in coverage when you’re young is a win-win.

Parents
Secure your family’s future *and* build cash value that can help with big expenses like college tuition.

Pre-Retirees
Use the cash value for tax-free retirement income and let the IUL serve as a safety net for your golden years.

Entrepreneurs
Need liquidity for your business? An IUL can act as a financial back-up plan when things get tight.

How Can an IUL Work for You? Let’s break it down

Step 1
Pay your premiums. These go toward your life insurance coverage and building cash value.

Step 2
Watch your cash grow. It’s tied to an index, but you’ll never lose money when the market dips.

Step 3
Use it! Tap into your cash value for emergencies, retirement, or even that dream vacation.

A Little Humor: The “Goldilocks” of Insurance

If term insurance is the fast food of life insurance (cheap but no frills) and whole life insurance is the five-star dinner (great but pricey), IULs are like that perfect homemade meal—affordable, satisfying, and you control the recipe. It’s no wonder they’ve got people saying, “Why didn’t I do this sooner?”.

Is an IUL Right for You?

An IUL isn’t for everyone, but if you’re looking for a way to combine financial security, flexibility, and growth, it’s worth exploring. The best part? You don’t have to figure it out alone. Reach out to a financial professional (like me!) who can help you customize a policy that fits your goals.

After all, your financial future deserves more than “set it and forget it.” Why not give yourself the gift of protection and potential?

If you want to learn more, Let’s chat.
I promise to explain everything without the jargon. Or the avocado toast.

https://propps.me/tysonives

11/09/2024

Hey Facebook Friends,

I hope this message finds you well. I'm reaching out to follow up and see if you're ready to move forward. I'm here to support your timing, though statistics indicate that the longer we wait, the greater the risk of being uninsured when it matters most. Securing life insurance sooner can help protect against unexpected vulnerabilities.

You can also get life insurance from me through the following link: https://agents.ethoslife.com/invite/eea90

Please let me know how I can assist you further.

Warm regards,
Tyson