California Life and Disability, Inc.

Protect your income while you work and in retirement


We're there for you if you become sick with a short or long term illness, can't work, and need money...

For the past 20 years California Life and Disability, Inc. has been protecting our client's incomes while they are working and in retirement.


Life and health have ups and downs, so we strategically structure life insurance and pre-plan for long term care to ensure that in the event you become sick and can't work, your income is preserved, the dependence on family is reduced, and reallocation of hard earned capital is minimized. 

Let us help you plan for life's ups and downs.  See our solutions below.

Income Protection at Different Stages of Life

Multiple Dentists.jpg

Life Insurance for the Living

Use life insurance to supplement income if you become sick.

Senior couple hugging

Long term care planning

Multiple options to unburden family members and preserve retirement income.

Business Partners narrow cafe owner.jpg

Preserving Business Partner Equity

  Protect your share of the business equity.


Information & Resources

Life Insurance Basics Simplified

Life Insurance for the Living

Easy to Understand

Long Term Care

Paying for Long Term Care Options

Blog and Articles

Customer Testimonials

"Mike helped us with our long -term care planning. We feel so fortunate to have worked with Mike! He was very knowledgeable and provided options and scenarios that we did not know available.

Long term care planning is overwhelming and often too confusing. Mike took the time to explain and made the process easy.  He made it his goal to make sure that every time we left our meetings, we understood the information and that we were comfortable in our decision making.


We especially appreciate that Mike did not have a sales approach tactic, but rather a conversation about our personal goals."

-Mia & David

"Mike provided me with excellent service! He listened to my needs and made sure I felt comfortable with my decision. He was very patient in explaining the insurance plans to me, making sure I understood it fully. He is sincere and provided me with personalized care. I trust Mike because he genuinely wants what's best for me and my family.  I love that in an agent!"

-Romelle & Mark

"We had a wonderful experience working with Mike on a Long Term Care insurance policy. 

My wife and I have been caring for my mom who has LTC insurance so we have seen the advantages of having LTC insurance but also became aware of the shortcomings of her particular policy. 

Mike is very knowledgeable about the latest insurance products and has personal experience with the financial strain of caring for ailing parents. He was able to provide us with an LTC policy that can be a benefit to both us and our children in the future."

-Theresa & Michael

AIG Partners Group Logo.png

Michael D. Wong CLTC, DDS

(650) 502-1511

Please submit your question, and we will email you back promptly.

California Life and Disability, Inc.

Thanks for submitting!

Using a Touch Phone