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Personalized Insurance Solutions for You and Your Business

For over 70 years, HCM Insurance Brokers has offered personalized insurance solutions for individuals and businesses.

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Learn About HCM Insurance Brokers

HCM Insurance Brokers has been in business for over 70 years, and we look forward to many more years of helping you with your insurance needs. Our agency started in Southern California and we continue to grow the agency in order to offer quality services and solutions for you. Our office is located in Pasadena, CA, and we are licensed in California, Arizona, Georgia, Pennsylvania, Texas, and Utah.

As an independent agency, our goal is to help you find personalized insurance solutions as we guide you through each step of the process. We work with a variety of carriers to provide you choice in your coverage, whether that’s for your business or yourself. Our dedicated team will be there to help you plan for the unexpected or prepare for the predictable. We’re here to work for you.

Learn About UsWhy Go Independent?
Howard Wood, Agency Owner

Howard leads our team of dedicated professionals who specialize in assisting clients to plan for the predictable and prepare for the unexpected. Howard wants his clients to be well-informed every step of the way.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

The Solution to Your Insurance Needs

HCM Insurance Brokers offers a variety of personal insurance, business insurance, employee benefits, and Medicare solutions to help you protect what matters most.

Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.


Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

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Financial, Life, and Health Resources Through PRS Financial

PRS Financial provides professional services through our trio of companies, including Hcm Insurance Brokers, Payrite Benefit Service, and Payrite Payroll Service. Our emphasis is on small business. Please visit our website for a variety of resources including concepts, strategies, worksheets, life guides, financial calculators, and inspiration.

Visit PRS Financial

Our Clients Rave About Us

Check out our reviews and see why you should switch to HCM Insurance Brokers.

“I have been with Hcm for many, many years. Always professional. Fast service. Thanks Howard!”

Jamie S.

“We were going to get dropped by our other insurance for no good reason, and they walked us through our options and found us a great new company. Very helpful in explaining the process and helping us find a new policy.”

Brett S.

“Howard has been helping us with our home, auto, and motorcycle insurance for years. He is very responsive and professional and gets us a good price on our insurance.”

Joe N.

An Independent Agency Gives You Options

We proudly represent Safeco Insurance, Mercury Insurance, and more!

Trusted Partnerships

Manage Your Policies

Already a client of HCM Insurance Brokers? Visit our Service Center to make requests and manage your insurance.

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Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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