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David Watkins, CLU

If You Owned a Goose that Laid Golden Eggs,
Would You Insure the Goose?  Or the Eggs?


Exclusively specializing in income protection/disability insurance since 1969. We represent all of the disability insurance carriers and can provide an insightful, cost effective and convenient experience for all of your personal and business needs.

If YOU were to become SICK or HURT, and needed financial HELP …WHO would be there for you?


I am the only agent in Monterey Bay Area who is a Specialist in all areas of Disability Income Insurance.

I was unable to work due to sickness as a sales rep (my regular occupation) for 9 years; fortunately I owned what I sold Non-Cancelable, Guaranteed Renewable personal disability income protection insurance.      

I received $1,238,340 in total monthly benefits to keep my family from poverty
“Your most valuable asset is your ability to earn an income.”
“been there, know that!”

Graduate Wabash College, Crawfordsville, IN 1964 – BA Spanish & History
Attended Univ. of Madrid, Spain – 1962 – 63 –Certificate from New York Univ. Fluent Spanish
Graduate Thunderbird School of Global Management – Glendale, AZ – MFT
CLU, ChFC with Disability Certificate from The American College, Bryn Mawr, Pa 1969 – 1978

“My job is to make sure your life doesn’t get really screwed up!”

     Office (831) 479-4422                                          Cell (831) 239-6774                          CA License # 0383993