Five stars and 10 points for Jonathan. His guidance on Medicare issues has been timely, useful, and ACTIONABLE and SAVED ME MONEY!! He thoughtfully and effectively helped me navigate the morass of often confusing and conflicting Medicare coverage options, including those from "trusted" providers. (That would be you, AARP!) Two examples: in fall 2024, Jonathan recommended that I make a minor change in my Part B supplement coverage that saved me about $40/month and concurrently improved my coverage and provided additional services. Also, his recommendation regarding a change in my Part D/Rx plan literally saved me more than $100/month over the price of the AARP-endorsed RX plan I had been using. Thank you Jonathan!!! My follow-up review with Jonathan in October 2025 was focused, useful, and affirmed that I made both the right changes in coverage in 2024 and the value of Jonathan's counsel and guidance. HIGHLY RECOMMENDED! read more

Jonathan replaced my DGA guild coverage with a small business plan. He was exceptionally thorough and clear comparing options. We directed another family member to him and they too were impressed. I highly recommend him if you need help changing plans. read more

Just came off of an excellent series of sessions with Jonathan, who helped me select and enroll with a health insurance plan through Covered California (along with dental insurance). I wanted to find an insurance agent who had my best interests at heart and who could offer independent counsel (supposedly, this is available through Covered California, but my interactions with overworked government employees, their compassion fatigue, and their limited interest in actually having detailed conversations with people made me leery of the value of this service). Jonathan was responsive, patient, and articulate. Thanks to his assistance, I have a better health plan now than my previous "grandfathered" health insurance, and I'm paying less for it! If you've been putting off what seems like a big decision because you're not sure of your options or you want a second opinion when it comes to making a choice that's best for you, Jonathan is exactly the type of resource that can help. In my case, he allowed me to make a great decision faster than I would have been able to do on my own. To close this out: thank you again, Jonathan! You will always be my first call when it comes to anything related to insurance! read more

Working with Edsel has been a true gift. We started with our Auto insurance was super tough adding a 16 and 17 year old. Quickly grew into home and health. His level of detail, empathy and effectiveness is like no other broker I have dealt with. This makes all the difference, especially when navigating thru a difficult situation. When you have someone who is willing to take the time to explain everything, you quickly realize the ease and trust that happens almost instantaneously. Thank you for keeping my family safe! read more

I contacted Citrust Insurance Agency because I needed to determine the best Medicare supplement for me. It had been some 12 years since I seriously considered alternatives to my current Part D and F plans. I was remiss in reviewing my options each open enrolment period, but so was my former agent. Jonathan Edewards of Citrust took my profile information and promptly got back to me with some plans to consider. He carefully reviewed all of my options and offered his advice on the best coverage for me. I appreciate the fact that he provided me with detailed plan information so that I could do my own due diligence. Customer care is the key in this industry. Jonathan was professional, responsive, courteous and informative. He offered alternative choices to compare and provided his opinion on how to pick the best plans based on his years of experience. Armed with the facts he provided, I was able to pick affordable yet comprehensive Medigap coverage. I saved money with my new health insurance plans and received more benefits. read more

Jonathan is so responsive and communicative and persistent. He has helped me find unique coverage options for home, auto, earthquake, umbrella, landlord, health and even travel insurance. A true professional and a nice person too! read more

Edsel did a great job of explaining my different options and how I can handle things should I have a life change. He was so helpful every step of the way. I appreciate how patient he was and informative. He really knew the different nuances between the different options and was able to walk me through things in a way that I can understand and deliberate on my own about later. read more

The absolute best! Edsel was extremely accommodating​ with helping me through the insurance process. The patience was greatly appreciated. He followed up with me multiple times and helped me understand the process better. I am very grateful! Will definitely recommend to family and friends! read more

Jonathan is simply a JOY to work with. He recommends what the best product is available and customizes his approach by your individual needs. He is there when you need him and never overwhelms you with contact that isn't necessary. Anyone that needs insurance I always think of him first. Not only is Jonathan a great businessman but also one of the most thoughtful person I know. He takes a big portion of his free time to give back to those in need. His profession isn't just a job to support his financial needs but uses his knowledge and skills as a platform to help others. This is truly his passion. Thank you for all you do Jonathan! read more

I had a great experience with Edsel! He was extremely informative and so helpful!! Sometimes it's hard to know what health insurance plan to go with and why and he made it really easy to choose and feel comfortable with the plan. He also took care of the paperwork. We did everything over the phone and through email. I found his contact through a friend. I would recommend him and this insurance agency to anyone! I really would! read more

Edsel D'souza, you are amazing! Thank you for helping me find great insurance at a great price. Just as important to me is your availability to always answer my questions quickly and thoroughly. You can't teach that. You either have it within you to be of service or you don't. I'm so glad you do! :) read more

Honest, clear, straightforward. Jonathan answered my questions and helped me make my health care coverage decision. Thanks Jonathan!

Seth Willems In a nut shell you have changed and saved my life. I will be forever in gratitude. The help I have gotten with health insurance details at a time when my own health was too poor to handle details was both sufficient and heartfelt. I literally couldn't have done it without your help. No one...not even my family or partner helped me like you did. Because of Thrive today I am at mt most healthy Physically, mentally , emotionally I have been in years. God Bless all of you. . read more

When I was having difficulty choosing medical supplement and drug coverage plans after signing on with Medicare, someone recommended I contact Jonathan Edewards for professional advice. I must say, Jonathan has been a great help since the day I first reached out to him. He found an excellent health insurance plan for me. He explains things well, doesn't mind when I ask what might be dumb questions (lol!) and made the process of choosing and joining a plan very smooth and stress-free. read more

I appreciate having the personal guidance of an expert when it comes to finding the best insurance plans for me and my family. Jonathan is fast, responsive, and knowledgeable, and he's helped tremendously to simplify an otherwise complicated process for me. read more

I was fortuitously connected with Edsel at Citrust Insurance in July 2018 through Covered California and I'm so glad! Patiently and with good humor, he helped me navigate all my health insurance options and the ins and outs of health insurance in general. Edsel listened to my needs and helped me find an Oscar plan that was affordable and sensible. Since 2018 I have contacted him directly with questions and to re-new my coverage each year. He is always very responsive and helpful and I trust in his expertise. When my parents moved to California, I had my Mom contact Edsel directly to help make getting signed up through Covered California easier on her. She loves working with him too! read more

Jonathan is great to work with - very professional and responsive. He has helped us with all or our insurance for our small business. Jonathan is very knowledgeable about different types of policies and is very thorough to make sure you have the right coverage for your needs. I feel very confident that I have the right coverage for our business working with Jonathan! read more

I was told that I couldn't get insurance again until open enrollment in November 2018. Jonathan was able to get my insurance started up again for April 1, 2018. I had a few previous payment glitches before I started working with Jonathan, but Jonathan worked it all out. He is amazing. He knows the ins and outs of Covered California and is able to do his work efficiently with no hesitation. For me Jonathan is a miracle worker, I'm very thankful! read more

Jonathan is amazing. Always helpful, always efficient & knowledgeable. I recommend him highly.

Edsel D' Souza and Jonathan Edewards are the best insurance agents. They have worked with me and my fiance for many years. They took the time to get to know my fiance's needs and took over from there. I would recommend the Citrust team to anyone looking for insurance needs. read more

With patience and professionalism, Jonathan provided clarification, answers, solutions to health insurance matters. He even projected considerations we overlooked. So thankful for Citrust Insurance Agency. read more

Jonathan is fantastic! He is quick with response time, very friendly, and very helpful with a topic which is VERY CONFUSING! I don't know where me and my wife would be without his patience and guidance. read more

With this company I find that whenever I need help someone always is there to answer my call no matter what time. I have experience nothing but kind attitude every time. I know that some of my questions may seem very basic but they are very patient with me read more

Jonathan at Citrust Insurance Agency has been instrumental to my insurance needs. Because of his expertise, I shave hours of time looking for health insurance on my own. Go to him for your health insurance needs like I did! read more

Everything insurance all under one roof. You are always there for us - 24/7... I wish big firms would learn customer service from Citrust!

Jonathan does an excellent job providing me and my family with all the options for our health insurance needs. He makes it easy to understand the difference between plans and also makes sure we have signed up for the plan that best fits our needs. I would highly recommend Citrust for your insurance needs. read more