California Life and Disability, Inc.

Income protection while you work and in retirement


We're there for you if you become sick and can't work...

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

Income protection for life...

Customized income protection solutions...

Income Protection

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While you work

Use your life insurance to supplement your income if you become sick and can't work.

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In retirement

Keep retirement income and assets for the things you want to do, by preplanning for extended health care costs.

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For business partners

Business partners work hard for the equity in their business.  Protect it.

Life Insurance Basics

Living Benefits Life Insurance

Long Term Care

Long Term Care Planning Options


Information & Resources

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

California Life and Disability, Inc.

Michael D. Wong CLTC, DDS

(650) 502-1511

Golden Gate Bridge

Income protection for life...

Michael D. Wong, CLTC, DDS 

(650) 502-1511

CA Lic. 0K40153

©2020 by California Life and Disability, Inc.