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Alta Vista Insurance Agency

2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

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What to look for in an Insurance Agent

When picking an insurance agent it is important to know who your agent represents. Some insurance agents are what are called “captive” agents. Captive agents work for the company they represent. Some examples of companies captive insurance agents work for are AllstateState Farm, or Farmers. Captive agents are limited to only offering products to you that are offered by the company they work for, whether or not that product is the best solution for your unique situation.

An independent insurance agent works for you, not the insurance company. Independent agents are free to find a policy that best fits your needs no matter which insurance company is offering the coverage. Independent agents really do work for you, not the insurance company. They are free to offer multiple policy options side by side for you to review. When the insurance companies compete for your business, you win.

The agents at Alta Vista Insurance Agency are proud to be your local independent insurance agents. We are located in Vista California and strive to be a local independent resource for you, our clients. Our staff is your team, and we are here, ready, and able to provide responsive customer support to our neighbors throughout San Diego County. We primarily serve Vista, Oceanside, San Marcos, Escondido, Rancho Bernardo, and Poway. Please feel free to contact us for your insurance needs.

Contact us today to learn more about how we can service your California insurance needs. We look forward to hearing from you!

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Check out our partner spotlight in San Diego Real Producers Magazine!

In April our agency was featured in San Diego Real Producers Magazine as their partner spotlight. It was a lot of fun! The article gave us a chance to tell our story. We are so gracious for the opportunity to work with some of the top producers in the real estate industry helping them reach new heights with their businesses! Huge thanks to Jessie Wright, Zach Cohen, and Sterling Photo.

For those of you that didn’t get a chance to see our article in San Diego Real Producers Magazine, here is a link to the full article San Diego Real Producers Magazine Partner Spotlight.

“We’re taking a different approach when it comes to insurance… fully embedding ourselves in the real estate industry so we can help our partners.”

“Our marketing message to business partners is ‘let us show you ways that we as an agency can help grow your business and close your transactions. By adding us to your affiliate network, we’re going to be able to help you get more opportunities.”

“We’ve taken on a slogan, ‘Helping You Reach New Heights.’

By shifting the focal point to how he can help our partners achieve their own business goals and build their customer relationships, Seth has helped Alta Vista Insurance build their referral network, leverage more consistent business relationships and continue to grow. As Seth explains,

“it’s not about us. It’s about how we can help you.”

Looking to find out how we can help you protect and grow your real estate business?

Learn how we can bring massive value to your brand.

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Raymond Lowder

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I am Raymond Lowder a personal lines agent at Alta Vista Insurance Agency specializing in property insurance. I was born in Germany, but raised in San Diego. Growing up I played football and baseball and I enjoy staying active playing in a local recreational flag football league. I attended high school at Cathedral Catholic and am a recent graduate of Cal State San Marcos with a degree in Economics. I enjoy watching sports and am a fan of the Padres! In my free time when I’m not in the office or staying active, I like visiting the different microbreweries around San Diego and I enjoy watching The Walking Dead with family. I am also a Disney Annual Pass Holder so if I’m not around San Diego, maybe you’ll run into me at Disneyland!

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Morgan Hege

Retirement expert, Morgan Hege, works with retirees and pre-retires to educate them about retirement, protect their savings, grow their wealth, and have a fun and successful retirement, and eventually pass on their money to heirs efficiently as possible. He specializes in the fields of retirement income planning. He has helped hundreds of individuals retire successfully using his principals. He established his practice around a safe money philosophy with millions of dollars under management. His proprietary planning process, is driven by his personal philosophy adopted from his first boss, Warren Buffet who famously said, “There are two rules of investing. “Rule #1 – Don’t lose money. Rule #2 – Never forget Rule #1”. Morgan works strictly with retirees who have over $250,000 in investable assets.

Education & Achievements

Morgan graduated from the Biola University in La Mirada with a degree in Organizational Leadership. He is a licensed insurance professional and financial advisor with over 15 years of retirement planning experience. He is proud to educate and advise his clients in their retirement needs, and enjoys making it a fun process.

In The Media

Morgan hosts an internet radio show and video blog where he educates and entertains his audience as he interviews guests and discusses current events with the nation’s top industry professionals. Morgan provides useful tips, fun facts about money and saving for retirement. Send Morgan a question to have it answered live on the show!

Morgan is the author of “Retirement Roadmap: Using Ladders in Retirement to Hedge Against Inflation” which discusses strategies to guarantee income, reduce taxes, and maximize social security benefits in retirement.

Family Information

Morgan and his wife Rya have been married since 1999 and have three children: a daughter Charlotte, and two sons Robert and Anderson. The five of them enjoy spending time together as a family, taking family vacations, and supporting each other in numerous social, school, and sporting events.

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George Francis, CPCU

Family, business, travel, wine, golf and more family, these are my priorities and passion. I am a native Californian who grew up in Argentina, Venezuela, Chile, Brazil and Wyoming, an interesting background which is perhaps why I have a passion for travel. I have three daughters and three grandsons, each grandson with a different passion. One has baseball; one has horses and is looking forward to being in the Grand Prix; and one in soccer, perhaps to play for the Seattle Sounders. We have lots to look forward to.

After a twenty year career working for insurance companies and large brokerage operations Marge and I purchased Alta Vista Insurance Agency, in Vista, CA, in 1989, and love the small community atmosphere. Our business is all over the West, but Vista is home and very comfortable. Being a newbie twenty years ago I joined the Kiwanis Club of Vista to get to know the community and become involved. Twenty years later I’m still involved and love to be of service to our communities and our children and enjoy the wonderful fellowship of this worldwide organization.

My passion for wine has allowed me to build a great relationship with wineries and vineyards in California. This is a growing part of our business and one that is leading us into the other western states. I love to taste/drink wine and have found the people in this industry to be wonderful to work with and have as friends. When work is fun it really is not work.


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