Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risk to make payments more affordable for the insured.

Life insurance is a time tested solution to hedge against catastrophic loss and protect your family, assets and Estate. From Term Life to Whole Life Insurance, we will help you choose the best plan for your needs. Select one below to learn more.

Life Insurance for Business

Protect your business during a time of loss of the Business owner or Key Employee. These solutions can provide a sizeable benefit to the business but at the same time provide value to employees. These plans also provide tax benefits to the business.



CA LIC# 0K13710

At Praetorian Financial and Insurance Services INC, we believe that insurance is an integral and necessary commodity that should not be undervalued or ignored. Planning ahead for risk, loss, or catastrophe is the reasonable and financially responsible action one can take to adequately protect what they care about most.

Life is uncertain, unpredictable and out of our/your control. But what we/you can control to a degree is the financial impact experienced during a time of loss. When a life altering event strikes suddenly and without warning, you can have a measure of comfort and peace of mind. Call PFIS today or schedule your free consultation and protect what matters most.

Office Location


Praetorian Financial & Insurance Services Inc.
369 Main St #207
Salinas, CA 93901