Author Archives: Darrell Fryer

About Darrell Fryer

Located in scenic San Juan Capistrano since 1992, Capistrano Premier Insurance Services is an Independent Insurance Brokerage, owned and operated by Darrell Fryer. I passionately serve my clients all over California and the Beach Cities of Orange County including Laguna Beach, Dana Point, San Clemente, San Juan Capistrano, and surrounding areas of Orange County, I specialize in getting you the best plan for the best price, and I am committed to thinking "outside the box" to make that happen for you. As an Independent Agent, I am able to pick and choose which companies I want to represent, and I will employ a range of strategies to get the best price and quality of coverage for my clients. This allows me to be flexible in finding you the coverage you need at a price that you can afford. I love making "house calls" like the old days when a Doctor would come to the house. I specialize in Health, Medicare, Life, Long Term Care, Disability, Annuities, and Auto & Homeowners Insurance. I will help you determine which option best suits your needs and budget. There is no "One Plan" that will satisfy everyone. It may sound like a cliche, but I really care about the business owners, individuals and families I serve. Regardless of what product it is, if you have had a recent rate increase or have one upcoming, or if you just want to see if their is a better option available, I can help you. All quotes and all of my services are 100% FREE, as I get paid by the carriers. There is no obligation either. Put a professional to work for you by calling 949-248-3112. I will simplify insurance so you can make a decision based on common sense.

Medicare fighting heart ills, stroke

Heart disease and stroke have reached epidemic levels in our country. Heart disease is the leading killer of Americans; stroke is the fourth-leading killer. One in three deaths in this county is caused by cardiovascular disease. That’s why Medicare is … Continue reading

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Medicare covers some home health services

Great article I saw in the OC Regsiter on Feb 1, 2012 to help answer a common question I get from people who think Medicare will cover their Long Term Care needs. It’s by DAVID SAVEN Medicare covers a variety of … Continue reading

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The Latest Update on Obamacare

From John Nelson, President of Warner Pacific who’s company is a General Agency that helps Agents with healthcare issues, quotes, and placing health insurance. He is actively involved with the process of Obamacare and talks to many people in Washington regarding … Continue reading

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Healthy natural ways to decrease health risks

My family and myself were blessed to be invited on a beautiful Tahittian cruise in July. Everyone should go there if at all possible in their lifetime.  One of the many things I got out of the trip were all … Continue reading

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Healthy eating tips to feel great and shed fat 2

“What delicious food can I eat?” All of the food I eat each day is incredibly delicious and healthy at the same time. I am able to achieve this because many of the foods people think are not healthy, really … Continue reading

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Healthy way to lose weight

3 super easy rules to follow. (These are magic bullets for getting your metabolism in fat burning mode.) You will lose a minimum of 10 lbs. in 14 days. 1. Don’t eat anything that is white. Think about most foods … Continue reading

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The Top 5 Killers of Men

It was a sunny September day in the Pacific Northwest, and Jeff Hale had just closed a $1.5 million deal. To celebrate, he was taking the afternoon off, relaxing on his patio lounge, and playing ball with his dog. That’s … Continue reading

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Long-Term Care comes Of Age

 May 2011 By: Constance Gustke, Special to CNBC.com Putting off planning for long-term care? Think again. These days, your assets can be quickly drained — especially with skyrocketing costs and strained Medicare and Medicaid programs.. Costs for nursing homes and … Continue reading

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Imagining a Better Healthcare System

I believe it is very important that people fully understand the mechanics of America’s healthcare delivery system, why it is broken and what it might look like if it’s successfully overhauled. The fundamental problem with the American healthcare system is that … Continue reading

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Wake up America and do something

This article appeared in The Wall Street Journal. Obama in 2012, No Matter What By Dr. Walter Williams Williams is a black conservative professor at George Mason University. Can President Obama be defeated in 2012? No. He can’t. I am … Continue reading

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1099 Repeal Bill Passes Senate

Following months of procedural and political back and forth, stand-alone legislation that would repeal the 1099 tax reporting requirement for businesses included in the Affordable Care Act (or the health care reform law) was signed by President Barack Obama on … Continue reading

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Factors that affect your auto rates

You and your neighbor could own identical cars yet pay a vastly different sum for insurance. That’s because you each may have a different set of circumstances that affect the level of risk you represent to an insurance company. Your … Continue reading

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What to Say during your next doctor’s visit

Have you ever walked out of the doctor’s office realizing you don’t remember what was discussed and what your supposed to do? Most of us don’t have a problem talking to our friends, sharing a problem with a family member, … Continue reading

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What Does Medicare Cover?

What Is Medicare? Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals. Medicare is packaged in two major parts. … Continue reading

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Long Term Care as an option

In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you or a loved one does need long-term … Continue reading

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What types of health coverage is available

Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage through employment has helped many Americans face such costs. However, people who are not currently covered by their employers have … Continue reading

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Repeal Obamacare

No matter how much the new Congress does to encourage private sector growth, ObamaCare will become a severe drag on the economy and lead to lower quality care. Many businesses facing unknown tax hikes and enormous regulations from this law … Continue reading

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What about a high deductible health plan?? A higher deductible is an option for someone who needs to lower their health premiums.  If you have a high deductible now, you are probably feeling vulnerable if something happens.  Also, I know you … Continue reading

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WellPoint Responds to Inaccuracies in President Obama’s Weekly Radio Address

In his weekly radio address, President Obama discussed the early implementation of some health reform benefits for young adults, retirees, and families. We were disappointed that President Obama chose to reference the highly inaccurate and misleading Reuters’ story regarding WellPoint’s … Continue reading

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Healthcare changes and what that means to you

As of April 6, 2010, Anthem Blue Cross California posted the following information on their website and what this means to you.  I am sure the answers are the same for all the carriers in California.  From Anthem:  The new … Continue reading

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