Independent health insurance broker at 7660 Fay Ave Suite 140, La Jolla, CA 92037, on Fay Avenue in La Jolla Village. Owner David Cravens has 23+ years of experience helping small businesses, seniors, families, individuals, and the self-employed navigate health insurance options — representing major carriers across all price ranges and taking a no-pressure, educational approach to coverage selection. Services include individual and family health plans, small group employer health and benefits, Medicare supplement and Advantage plan guidance, and Covered California ACA marketplace plans. For small businesses without an HR department, Cravens offers employee educational seminars, ongoing plan change support, and annual coverage reviews. For Medicare-focused seniors who want a broader team of licensed advisors comparing plans across more carriers, My Senior Health Plan at 875 Prospect St provides free plan comparison from a multi-agent office. For personal lines insurance beyond health — auto, home, and life — Purmul Insurance Agency at 1010 Pearl St covers those lines from a single independent agency.