West Coast Real Estate & Insurance, Inc. stands behind making sure the Service & Satisfaction we provide our clients surpasses their expectations.

As specialists in the International & Domestic marketplace we are dedicated to our clients, continuously researching our industries and receiving the most current and up to date information. We take it upon ourselves to pass to you “Our Clients” this understanding & knowledge so that you can make the best decisions for your most valuable assets.

West Coast Real Estate & Insurance, Inc. believes in one common goal, making sure you have a Professional to assist and be there to service your Real Estate & Insurance needs, allowing you time to enjoy the more important things in life.

International Student Health Coverage

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Interest:	** Select One ** Mexican Insurance Life Insurance Health Insurance U.S. Insurance International Insurance Bay of Dreams Spanish Hill Lot 75 Spanish Hill Lot 76 Los Delfines Lot 136 Rancho de costa (La Paz) Casa Alegria (Cabo San Lucas) Giggling Marlin Penthouse (Cabo San Lucas) Idaho Mountain RetreatOther
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The Team shares a long-term commitment to develop a secure, serviced resort sanctuary within the natural environment of the Baja desert on Bahía de los Sueños. We wish to enhance and enrich the lives and lifestyles of individuals and families from around the world, through the creation of unique and fulfilling recreational home environment. Bahía de los Sueños will be exotic and innovative. It will be programmed and developed with the highest-end consumer in mind and will be responsive to their sophisticated needs.

Concurrently, world economics has produced a growing number of highly affluent people who can afford to fulfill this need for alternative, multiple and remote home environments. Personal wealth has become a reality for a large and growing segment of the world's population. No longer the exclusive domain of an invisible few, more people than ever are reaping the material rewards for achievement, business and investment success. International travel, personal ownership of airplanes and luxury personal watercraft, the numbers of people benefiting from inherited wealth as well as the escalating numbers of nouveau riche all attest to an unprecedented availability of discretionary financial resources.

The quality of the Bahía de los Sueños property has allowed the team to design and create a private resort village and community. Visitors, owners, residents and investors alike will derive great satisfaction and reward through their membership and participation in this village. The property itself offers unprecedented richness. Discovered and patiently secured over time, (based on one individual's lifetime of love for the area), it is pristine - unspoiled by either development or tourism. It is first of all, vast: 4,300 acres. Beyond its scope however, this remarkable place, reminiscent of the cradle of civilization itself, has everything; soothing sun, tranquil seas, rugged mountains, lush tropical vegetation, multiple beaches, sand, rocks, and plenty of space and terrain. Truly the perfect place for a luxury resort village, its scope allows for a highly profitable density of development and revenue producing features, while affording its owners and residents an astounding sense of space, privacy and awe-inspiring capacity for as much personal retreat as they desire.

If home is where the heart is, once you've been to Bahía de los Sueños, you'll always call it home.

Plans to build out this project as proposed are subject to change without notice or obligation. This promotional material is not intended to constitute an offer to sell in any state where prior registration is required.

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Birthdate:	Month January February March April May June July August September October November December Day12345678910111213141516171819202122232425262728293031 , Year 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900	Zip:
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Interest:	** Select One ** Mexican Insurance Life Insurance Health Insurance U.S. Insurance International Insurance Bay of Dreams Spanish Hill Lot 75 Spanish Hill Lot 76 Los Delfines Lot 136 Rancho de costa (La Paz) Casa Alegria (Cabo San Lucas) Giggling Marlin Penthouse (Cabo San Lucas) Idaho Mountain RetreatOther
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Plans to build out this project as proposed are subject to change without notice or obligation. This promotional material is not intended to constitute an offer to sell in any state where prior registration is required.

Welcome to West Coast Insurance Services Marine and Recreation Division. Our goal is to provide quality products and service to our retail customers. We operate solely as a wholesale brokerage and can assist you in the placement of recreational & commercial marine risks. We represent many excellent insurance carriers both admitted and non-admitted. Whether you seek coverage for yachts, high performance boats, commercial marine or recreational risks, we will work hard to place your business.

Our Markets :

Recreational Marine (Boats & Yachts):

Commercial Marine Products:

Boat Insurance:
There are two basic sections of a typical boat and yacht policy: Physical Damage & Liability. The physical damage section covers accidental loss or damage to the boat, machinery, sails and other equipment on board required to operate the vessel. The liability section referred to as Protection & Indemnity or Watercraft Liability covers losses to third parties to include bodily injury or loss of life, or damage to someone’s property caused by the ownership or operation of your boat. Liability also helps pay for legal defense costs if you are sued for a liability that may be covered in your boat or yacht insurance policy.

Physical Damage Losses:
Physical damage coverage for your boat generally pays for repairs if it is accidentally damaged or destroyed by a covered peril such as collision with docks, other boats, submerged objects, theft, vandalism, sinking, Acts of God etc. The best policies provide “All Risk” coverage meaning if the cause of loss is not excluded, then it is covered. Normal wear and tear is generally excluded under a boat or yacht policy.

Loss Settlement (Agreed Value & Actual Cash Value):
A boat or yacht policy can provide physical damage coverage on an Agreed Value or Actual Cash Value basis. An Agreed Value Policy means that the insured and insurance company have agreed on the value of the vessel and in the event of a total loss, the policy will pay the amount shown on the policy. Under this type of policy, damage resulting from a partial loss is generally paid on a replacement cost (new for old) basis, less the policy deductible. In other words, depreciation will not be applied to the covered loss. However, some equipment may be subject to depreciation such as boat covers, sails, trailers and some machinery. Actual cash value policies provide less coverage than an agreed value policy. An ACV policy provides coverage up to the current market value of the vessel in the event of a total loss and takes into account depreciation and the condition of the vessel at the time of loss. Partial losses are settled by taking the total cost of the repair and subtracting a percentage for depreciation. The hull deductible is also applied. While an agreed value policy is more expensive and provides better coverage, an actual cash value policy may be advantageous to the owner looking for lower insurance costs.

Terms & Coverages

Physical Damage:
Provides coverage for your boat if it is accidentally damaged or destroyed from an external cause such as collision with a fixed or movable object, fire, theft, vandalism, Acts of God etc. Coverage applies to the vessel, machinery, sails and other equipment normally required for the operation of the vessel.

Vessel Liability:
Provides for the insured if he/she is legally responsible for property damage, bodily injury or death of someone other than the insured person or a family member. Coverage also includes defense costs and removal of wreck (some Watercraft Liability Policies exclude wreck removal). Coverage may also include liability to a paid crew.

Personal Effects:
Personal property belonging to the boat owner and his/her family is covered and may include items such as clothing, sports and fishing equipment while onboard the vessel and being loaded and unloaded. There are exclusions that vary from company to company therefore the policy form should be reviewed. Most companies offer a standard limit subject to a deductible. Higher limits are available upon request.

Medical Payments:
The Medical Payments Section of the policy pays for reasonable medical expenses resulting from injuries to the boat owner, family members or guests while on, boarding or leaving the covered vessel.

Uninsured Boater Coverage:
The Uninsured Boater Section provides coverage for injuries from an accident caused by an uninsured owner or operator of another vessel or from a “hit and run” situation.

Federal Longshoremen’s & Harbor Workers Compensation:
Covers bodily injury to persons temporarily employed aboard an insured vessel and who fall within the jurisdiction of the Federal Longshoremen’s and Harbor Workers Compensation Act.

Commercial Towing and Assistance:
Reimbursement for reasonable costs due to a break down at sea and in need of commercial assistance up to the limit specified in the policy. This includes towing your boat to the nearest repair facility and delivery of fuel.

Trailer Coverage:
Coverage for loss or damage to the vessel’s trailer and subject to a deductible.

Blue Cross
Get a quote, apply online and or find a Doctor or Hospital in your area. Domestic Insurance Plans.

Tonik
Health coverage for your body, eyes, teeth. You know the important stuff. Three simple health care plans, one just your flavor. Apply online, that's it. No catches, no commitments, no wasted time. Brought to you by BC Life & Health Insurance Company.

Assurant Health
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. Together, these three underwriting companies provide health insurance coverage to people in 45 states. Each underwriting company is financially responsible for its own insurance products. Primary products include individual medical, small business health insurance, short term health insurance and student health insurance products, as well as non-insurance products and consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements.

International Travel Insurance
Offering health coverage & International major medical plans for all nationalities. Click here to see all of our plans & choose what's best for your needs. 5 Days to 365 Days: Medical Coverage at your fingertips.

Contact us for more information. Allow us to help you decide what plan is best for you & your family or your traveling needs.

AIG Travel Guard
AIG Travel Guard is one of the industry's leading providers of travel insurance plans - covering more than 6 million travelers worldwide each year. Our travel insurance plans offer coverage for vacation and trip cancellation, travel interruptions and delays, emergency medical and health expenses, lost baggage and more.

Plus, every AIG Travel Guard insurance plan includes our 24-hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice and more. Explore our options online to choose the coverage that best meets your travel needs.

Luxury Yacht Crew Benefits
MHG is the marine industry's international benefits specialist. MHG provides comprehensive medical insurance, disability insurance, life insurance and retirement savings plans for professional yacht crew. Plans are used by owners, brokers and management companies worldwide to attract and retain the best Captains and Crew available.

The Atlas Series
Short-term health insurance for individuals traveling outside their Home Country
Whether you are traveling for business or pleasure, the Atlas plan is just what you're looking for. Plans are available from a minimum of 5 days up to a maximum of one year. At no additional cost, the Atlas Series adds coverage for Emergency Medical Evacuation, Acts of Terrorism and Complications of Pregnancy. Get Quote

CitizenSecureSM
An international major-medical and term life insurance for individuals and families
CitizenSecureSM is available to citizens of all countries of the world. The plan is annually renewable and offers comprehensive medical coverage worldwide. An option to exclude coverage within the US and Canada is available. Optional Dental, Term Life and AD&D are also available. Get Quote

CitizenSecureSM Economy
Affordable international medical and term life insurance for individuals and families

CitizenSecureSM Economy is available to individuals in locations around the world and offers affordable worldwide coverage. With scheduled benefits, this plan is appropriate for those who need comprehensive coverage at a price to fit their budget’s needs. Optional Dental, Term Life and AD&D are also available. Get Quote

StudentSecureSM
Worldwide health coverage for students pursuing their education abroad
StudentSecure is designed specifically to meet the insurance needs of international students. Whether you are looking for individual coverage or coverage for the entire family, our Select and Budget options have the features you need. Each plan includes coverage for Emergency Medical Evacuation, Intercollegiate Sports, Acts of Terrorism and more! Get Quote

The Atlas Professional
International health coverage for executives taking multiple trips throughout the year
The Atlas Professional is available to executives and their families who require a 12 month comprehensive medical policy with coverage for multiple trips of 30 days duration or less. If you maintain medical coverage in your home country, the Atlas Professional is designed to take the risk out of your international business travel. Get Quote

Atlas Group Series
Short-term international health insurance for 5 or more traveling abroad
The Atlas Group Series is tailored for groups of 5 or more US and non-US Citizens traveling outside their Home Country for 5 days up to one year. This perfect plan for missionaries, students and business executives features Emergency Medical Evacuation, coverage for Acts of Terrorism and Home Country Medical Coverage. Get Quote

MultiNational Accident Plan
The first comprehensive personal accident plan for international travelers
MAP features high limit Accidental Death and Dismemberment and high limit Permanent and Total Disability insurance - including coverage for most acts of War and Terrorism. This plan may be purchased alone or as a supplement to any other product and is available for any country in the world. No underwriting is required! Get Quote

IC+ International Term Life
Ten year term life insurance available to individuals outside of the US
Need long term international term life coverage? IC+ will cover you up to ten years while traveling abroad. This life insurance plan is ideal for individuals relocating abroad who require family, corporate or bank protections. Life Basic, Terminal Illness and Double Indemnity options are available to fit your needs. Get Quote

The Atlas Series
Short-term health insurance for individuals traveling outside their Home Country
Whether you are traveling for business or pleasure, the Atlas plan is just what you're looking for. Plans are available from a minimum of 5 days up to a maximum of one year. At no additional cost, the Atlas Series adds coverage for Emergency Medical Evacuation, Acts of Terrorism and Complications of Pregnancy.

The Atlas Professional
International health coverage for executives taking multiple trips throughout the year
The Atlas Professional is available to executives and their families who require a 12 month comprehensive medical policy with coverage for multiple trips of 30 days duration or less. If you maintain medical coverage in your home country, the Atlas Professional is designed to take the risk out of your international business travel.

Atlas Group Series
Short-term international health insurance for 5 or more traveling abroad
The Atlas Group Series is tailored for groups of 5 or more US and non-US Citizens traveling outside their Home Country for 5 days up to one year. This perfect plan for missionaries, students and business executives features Emergency Medical Evacuation, coverage for Acts of Terrorism and Home Country Medical Coverage.

SkyMed - Takes You Home
Offers peace of mind to travelers. When our members suffer medical emergencies while traveling more than 100 air miles from home, our solution returns them to their local hospital and medical care providers. Many plans sold as "emergency travel" insurance merely provide transport to the closest "appropriate" hospital. The closest "appropriate" hospital can be thousands of miles from home! Travelers who suffer serious medical problems can be left stranded by the very "emergency travel" insurance they relied upon for protection. In many cases, the "appropriate" hospital is outside of the country covered by the traveler's medical insurance.

What geographic area does SkyMed cover?

Canada, Mexico, Bermuda, Bahamas, Caribbean, and the U.S.A, including Alaska and Hawaii.

Does SkyMed own it's own aircraft?

No, it is impractical when serving its membership across the North American hemisphere. SkyMed has over 14 years developed professional working relationships with the finest air ambulance carriers serving the membership area. The aircraft must meet FAA qualifications. A medical crew, certified for flight with the repatriated member's health condition, will be on board.

Plus, every Travel Guard insurance plan includes our 24-hour "911" travel emergency service for emergency medical assistance, last-minute or emergency travel and flight changes, lost luggage tracking, pre-trip travel advice and more. Explore our options online to choose the coverage that best meets your travel needs.

Medex Insurance
With three decades of experience, MEDEX knows that providing international medical insurance is not enough to ensure travelers’ health. What happens if you lose your medication or require an emergency transport home? In addition to affordable insurance options, MEDEX gives travelers access to a range of assistance services – from help with a lost passport to arranging for an emergency medical evacuation. With 24-hour access to the MEDEX Emergency Response Center, travelers will have peace of mind knowing that they can rely on MEDEX for help, anytime, anywhere.

Benefits of Life Insurance
West Coast Insurance Services specializes in senior life insurance and financial products. We help affluent seniors and their financial advisors find options and solve problems in the many areas that impact senior financial planning including life insurance.

Life insurance is a valuable financial and estate building tool that offers many advantages beyond the death benefit. These benefits will vary depending on the type of policy chosen and there are many living benefits that come from a life insurance policy.

The two major types of life insurance are term and permanent. Term life insurance provides basic insurance protection for a fixed amount of time. At the end of the term the policy expires without value or in some cases may be renewed, generally at higher premiums. Permanent "cash value" life insurance is generally designed to provide long-term life insurance coverage for the insured's entire life, while a cash value accumulates tax free inside the policy.

Benefits of Permanent Life Insurance

• Your coverage is life-long regardless of health. With few exceptions, the policy cannot be cancelled due to health conditions that develop, as long as premium payments are made. Future insurability problems can be eliminated.
  
• Your policy builds cash value. Permanent insurance pays dividends and/or may accumulate cash value inside the policy.
  
• You pay no current income tax on interest or other earnings credited to cash value. The cash inside your policy accumulates tax free.
  
• You pay no income tax if you borrow cash value from the policy. Cash value that accumulates in the policy may be available for loan purposes. This amount may be used in the future for any purpose you wish. You can borrow from a cash value policy to meet your needs. You may have to pay loan interest and it may affect your total policy values.
  
• You can avoid possible probate costs and estate taxes. Probate costs and estate taxes may be eliminated on the death benefit as long as the beneficiary designations and policy ownership are arranged in accordance with current law.
  
• Your heirs receive a tax free death benefit. The proceeds from a life insurance policy are tax free to your heirs.
  
• You can provide an estate for your heirs. For the insured person able to pay premiums life insurance is one of the best ways to create an estate for your family and heirs.
  Benefits of Term Life Insurance
  
• You can obtain needed coverage without breaking the bank. In most cases, term insurance premiums are less expensive than permanent insurance coverage on life insurance policies of the same face value.
  
• You can supplement your insurance coverage needs for a specific time period. If insurance needs are high for a certain time period and then decrease term insurance may be the right solution. Term insurance can provide that needed coverage over a fixed time period when a family and other financial obligations are growing rapidly and outpacing income.
  
• You can avoid possible probate costs and estate taxes. Probate costs and estate taxes may be eliminated on the death benefit as long as the beneficiary designations and policy ownership are arranged in accordance with current law.
  
• Your heirs receive a tax free death benefit. The proceeds from a life insurance policy are tax free to your heirs.
  You can provide an estate for your heirs. For the insured person able to pay premiums life insurance is one of the best ways to create an estate for your family and heirs.
  

What is Life Insurance?

Life insurance is a financial resource for your family and loved ones in case of your death. It is a contract between you and an insurance company in which the company provides your beneficiary(ies) with a certain amount of money upon your death. In return, you make periodic payments (premiums) in an amount that depends on medical history, age, gender, and occupation.

What is Term Life Insurance?

Term is the simplest form of life insurance, it is the least expense and least complicated form of life insurance. Coverage is for a fixed amount of time, usually 1 to 30 years, and the beneficiary receives a fixed sum if the insured dies during the term. At the end of the term the policy expires and coverage ceased; however, term life insurance can be renewed. Term life is the a good choice for individuals who who are looking for temporary coverage.

What is Whole Life Insurance?

Provides both a death benefit and a dividend. A fixed premium is charged over the length of the contract. Over time the policy increases in tax deferred value. Most policies provide a dividend to the policy holders which helps with retirement.

What is Universal Life Insurance?

The most flexible plan. The policy holder is able to adjust the benefit/premium mix to best serve their current financial needs, within the limits set by the policy. The payout is the accumulated value of the policy at time of death. One added benefit of a Universal policy is the ability to skip payments if the need arises.

What is Variable Life Insurance?

Allows the policy holder to tie the accumulated value of their policy to the financial markets. While these policy enable a higher return, they also increase risk as down markets occur. You can borrow against a variable policy.

What are Premiums?

Premiums are the periodic payments (Usually monthly or quarterly) that the policy holder pays to the insurance company to purchase and keep a policy in force.

Reduce net out-of-pocket costs associated with paying premiums.

An innovative way to fund life insurance with high premium requirements.

Benefits of Premium Finance:

• Free up business or personal capital for more efficient use
• Leverage available assets to provide needed coverage
• Manage estate with minimum out-of-pocket expense
• Potential to reduce gift taxes
• Take control of insurance capacity
• Typical Premium Finance Candidate:
• $5,000,000+ in coverage
• $100,000+ in annual premium
• 70+ in age

Different premium financing strategies available to meet your needs.

Life Insurance Valuation, a Key Component to Financial Planning

Why is it important to know the Fair Market Value of a life insurance policy? Just as knowing the fair market value of real estate, investments, and other hard assets enables informed decision making. Knowing the fair market value for your life insurance policy will help you to make informed decisions regarding insurance coverage, and financial holdings, which may create more beneficial options.

The difference between surrender value and Fair Market Value
An industry study conducted, in 2002, at the University of Pennsylvania’s Wharton Business School found that life insurance policies sold in the secondary market for an average of 3.6 times the policy’s (cash) surrender value. There may be a significant difference between cash surrender value and fair market value. It is financially prudent to determine the fair market value for all assets including a life insurance policy on a periodic basis. Let us perform a no obligation, no cost life insurance valuation on your policy today.

The fair market value is often higher than the cash surrender value.
In the past, there was only one way to measure policy value, the surrender value dictated by the policy carrier. This cash value reflected neither the amount of premiums paid into the policy nor the fair market value that other institutions might be willing to pay for that policy. The result, (cash) surrender value of a policy is often lower than the fair market value. Many people have no idea what the true value of their life insurance policy is and still consider the (cash) surrender value as the true value of this asset.

Life insurance gains in value.
All this has changed. In the recent past a secondary insurance market has evolved. Banks, mutual funds, and institutional funding companies have seen the value and stability of entering into the secondary life insurance market. A current article, titled “The Benefit of a Secondary Market for Life Insurance,” appearing in the Real Property, Probate & Trust Journal of the American Bar Association, concludes that the secondary market for life insurance is both pro-competitive and pro-consumer.

Click here for applications, forms, and info for Boat & Yacht Insurance in Mexico.

Click here for applications, forms, and info for Pilot Qualifications and Aircraft Insurance in the US, with optional liability coverage in Mexico.

West Coast Insurance Services
Servicing all of your Mexican Auto - Car Insurance needs in Mexico!!

Whether you’re Auto - Car is registered in the United States, Canada, or you have a Mexican Registered Auto - Car. We provide Full coverage & Liability only Mexican Auto – Car Insurance Policies from 1 day to 365 days of the year.


We pride ourselves on offering the BEST Mexican Auto – Car Insurance available in the Mexican Marketplace with the most Competitive Rates and Coverage's.

Know your options when purchasing Mexican Auto - Car Insurance. We are here in the Office and are Ready to assist to make sure that all your questions are answered. We help you “Our Client” with the decision making process and we can assist with securing Insurance coverage the same day for your travel needs into Mexico.

**This link is not to be used for Mexican Registered Autos**

Special lines Mexican Auto - Car Insurance policies offer broader coverage then a Standard Mexican Auto - Car Insurance Policy and follow the same guidelines that we are used to seeing on a U.S. type Insurance Policy. (Some requirements are needed to be met in order to qualify for our Special Lines Mexican Auto – Car Insurance.)

Click on the Link Below and submit your application Today as these Special Lines policies can only be purchased through our offices.

Submit and Complete your Mexican Auto Insurance Application today!

Please note that with all Mexican Registered Autos a copy of the current registration is required along with a copy of a valid driver’s license. Scanned and emailed to Info@InsureBaja.com is best for quality.

What to Expect when completing your application online (Read Below)

Mexican Auto Insurance applications are offered to you through our website to complete on the spot and submit for quoting. After clicking on the Mexican Auto - Car Insurance icons above our application will pop up on your screen. Please complete the entire Mexican Auto - Car Insurance application and submit. Once the application is completed click submit at the bottom of the page. Please allow 24 hours for us to respond to you to discuss payment options and coverage details. Please be sure that your contact information is added to the Mexican Auto - Car Insurance application so we may contact you directly. (Response Time is usually Faster then 24 hours excluding Weekends and Holidays

Both Standard & Special Lines Policy Quotes will be presented so you can chose what options are best for you.

Original policies are emailed to your Inbox once payment information is received.(Original Mexican Auto – Car Insurance Policies are Print Ready)

You may also call our office direct to discuss your Mexican Auto - Car Insurance needs.

We service all lines of commercial use.

• Developments
• Hotels
• Restaurants
• Liability
  

We only work with the top rated Insurance carriers in Mexico. Please contact us for more information and we will guide you through the steps to get a competitive quote and the best conditions offered in the market.