We decided to end our relationship with Ben Losin of Schulte Insurance after repeatedly struggling to reach him for assistance with our medical insurance. While he was initially usually attentive, over time it often took several days for calls and emails to be returned, which made navigating our coverage increasingly stressful. I had shared my health issues with Ben so he was aware of my condition, which made timely and clear communication especially important. Despite this, he consistently preferred phone conversations over providing written responses to important insurance questions. We explained that having information in writing was essential for us to reference later, but this request was not accommodated. This left us feeling uncertain and raised concerns about why written communication was avoided. The challenges became even more apparent as my husband's coverage grew more complex. Instead of guiding us directly, Ben encouraged us to contact the insurance company ourselves. Without a full understanding of the intricacies of the plans, this process became frustrating, time-consuming, and stressful, especially since we had engaged an insurance representative specifically to help navigate these issues. We hope our experience can serve as a caution to others so that no one else faces similar difficulties. read more

Friendly, knowledgeable, helpful - totally great and easy to work with, I love family businesses! Thank you so much! read more

So kind and helpful. Spent ages with us explaining insurance programs and types of coverage. Phone calls quickly returned. Very impressed.

Been with them for years. Absolutely hands down the best there is. What really stands out is the customer service. Always on top of every question no matter how small. Just the best. Just makes navigating the complicated insurance world very very easy. read more

My wife and I recently used Schulte Insurance Agency to select our insurance plans. After complete review of our needs, they selected the best plan for each of us. They are very knowledgeable, communicated in every step, their service was on time, very professional with all customer interests in mind. We definitely recommend this company to all friends and relatives. read more

I was referred to Stephen Cummins. I needed direction regarding the best gap and drug plans regarding Medicare. I was advised to use Well Care for my prescription drug plan. What a nightmare!!! I have had one problem after another with this drug plan. Two cases filed with the Better Business Bureau and a formal complaint with Medicare. Medicare acknowledged that Well Care is a poorly rated company. There are hundreds of complaints with the Better Business Bureau. Why, Stephen did you refer anyone to this company? You were NOT looking after my best interests. read more

I am a 65-year old woman, who never writes reviews and who had no idea how to figure out all the Medicare paperwork and their supplemental plans. Jessica was referred to me from a friend who had a great experience with her also. Jessica is patient, professional, up to date on ALL the different plans, supplements, pharmacies, and what each insurance will pay and not pay. Jessica gave individual attention to what I wanted and what I needed and didn't need. She explained everything in a clear and concise way and if I didn't understand she would patiently explain until I did understand. I would give the HIGHEST rating to the Schulte Insurance Agency and especially Jessica. read more

This is a top-notch Insurance Brokerage Firm in every respect and we would highly recommend anyone shopping for insurance to call Schulte first. Stephen and Angela will help you navigate complexity, give you honest answers, take your call long after you've signed on the dotted line to purchase a policy, and treat you the way you would LIKE to be treated. We have learned that who you purchase insurance from matters, not just a little, but a lot. There is the front end - helping you understand and evaluate options up-front - what you are buying and whether it is the best fit for your needs. Perhaps even more than the front end, having a top-notch broker matters when you need support AFTER the sale! Say you have a claim, a switch to new employer-sponsored insurance (as we did), or any other unanticipated situation. There is a frightening amount of fine print in any insurance policy these days. If you are wading in these waters, get yourself the best, most expert, most professional broker there is. read more

I have such high regards and high praise for Schulte Insurance Agency and the team headed by the owner Liz Schulte. I have been a customer of this agency and a personal client of Liz Schulte for over 25 years. She has guided me through the health insurance nightmare changes and each year presented me with the best options to fit my budget and health. She takes the time, as do the other staff she has at her agency to explain the very fine details that are so very important to know and understand each year. I feel I have an advocate looking out for me. There are so many difficult and confusing choices when it comes to medical insurance and needless to say so very important to make the right choice. We have just completed a painless transition to medicare for me and added a supplement that fits my budget and my medial needs. If you are looking for some guidance along this confusing path, call Liz or anyone of her team to get you on the best insurance plan for your needs. Cyndi F read more

I'd had a change in my medications going into my second year on Medicare, when I got a call from Ben Losin, my agent at the SCHULTE INSURANCE AGENCY. Ben pointed out to me, by the numbers, that my 2020 new drug plan, with the new medication prescribed to me by my doctor, was going to cost me personally A FORTUNE ! - as in over 20 grand a year! Ben worked closely with my doctor and me, and quickly (because yes, we were coming dangerously close to the December 7 close-out date) found me an alternate medication. And you know what? My 2020 drug costs are now going to be quite a bit LESS than 2019 ! ! My sincere thanks to Ben Losin and the Schulte Insurance Agency - They have their peoples best interests as their #1 priority. Long John read more

I cannot say enough good things about this insurance company. I have worked with them for the past, well more than a decade, and I have never been unhappy. Every time I call someone is there to help - and they really go to great lengths to make stuff work, and to help make things make sense. When dealing with insurance, it's really hard to make people smile - but I always feel like they care and they're truly trying to make us happy. I rarely deal with ANY business where they go so far out of their way to take care of us.... read more

Liz Schulte helped me get health insurance for myself and my kids. I could not believe how easy she made it. I tried to DIY it and it was like slogging through quicksand. She got us covered at a decent rate - it was under $900/mo and we had no deductible. nope, none! So.... to me that was the best plan. She offered options though. Seriously, amazingly nice easy process for the evil task of getting insurance. read more

The Schulte family provided the best options and are totally there for the client. Their customer service is exceptional and I would highly recommend you at least calling them as you will learn from experts who always prioritize you health care plan. They will guide you through a range of options and ensure your needs are met. read more

Matt Schulte and the crew, are just top notch...sorry but I do not have a computer for a long time and should have done this months ago but they took good care of my girlfriend and her daughter....maybe I spend too much time surfing and not enough time thanking ..so here I go. But I am back from Mexico and I promised my girlfriend I would do this. With the special situation with her daughter and her needs, Schulte Insurance was very helpful...the price is right as well. Thanks for a job well done. read more

Liz and her team really went all out to get my wife and I educated and enrolled in our new Covered California medical insurance program. So knowledgeable, professional, efficient and friendly. Truly superb service that makes you feel grateful you found them!! read more

I was recommended by my friend to Schulte Insurance Agency and have worked with Jessica! I can only say that Jessica is the most amazing person to work with. Her knowledge and Professionalism is with out a doubt the most the best I have been around in my professional life. The other Amazing thing is that Schulte Insurance is a family owned business and the professionalism and care they have for every client is felt from the answer of there phone by Melissa to Lori and the entire family and employees. Thank you Jessica for your help in finding my way through to getting the the best insurance possible. read more

Kelli and the team at Schulte have been amazing in helping me to find medical coverage after going off my former employer's coverage. Kelli patiently answered my questions and even called CA Covered on my behalf to help me navigate the complicated system. I am enormously grateful to them for helping me find good coverage at a reasonable price. It's clear to me that making sure their clients have adequate or better health insurance coverage at a reasonable rate is their priority -- and that's so admirable in this day and age when scammers abound. read more

I met with Stephen Cummings for health insurance under Covered California. Stephen went out of his way to make things happen and spent over 1 3/4 hours with me, getting a small commission from the process. He is a true professional that cares about his clients. I'm so grateful to him for helping me find affordable health insurance. Thank you Stephen! read more

I had all sorts of complications with my insurance going into 2020, but Ben Losin at Schulte Insurance was fantastic about getting me covered and helping me through the process with Medi-Cal, Covered California, and Blue Shield. It was a mess, but he always had the answers for me, including phone numbers to call, direct contacts within those organizations, and more to get me back on track. read more

Schulte Insurance has been amazing to work with! I am so clueless when it comes to Insurance, the friendly staff was more then helpful at explaining my options and talking me through different plans. Everyone i have spoken with is polite and patient. I recommend them to everyone i know! read more

I highly recommend Schulte Insurance. This company has been around since I was a little kid and now my company has their group insurance through them. Someone is always there to answer questions and guide you through anything you may not be familiar with. Very trustworthy staff and reputable company. Two thumbs up! read more

The professionalism and service by Mathew Schulte and Christina Jones of Schulte Insurance is second to none. I have been working with them just short of 10 years and am highly satisfied. I would recommend Schulte Insurance to anyone I know. read more

Schulte Insurance has been our go to insurance provider for 30+ years. Liz and Kris have helped us through every insurance coverage need with graciousness, expert advice and excellent service. They are knowledgeable and helpful and make the whole process easy. They treat you like family and we wouldn't want to go anywhere else! read more

Thank God for Schulte insurance, they have been with me and my business for the last 15 years and are the best!!! They are so attentive to your needs and do what is best for you . . . very unusual and appreciated! Strongly recommend to any one needing health insurance, small group, for small business! Sincerely, Rebecca Greene North County Blind Company, inc. read more

I highly recommend Schulte Insurance Agency. Matt Schulte has been responsive and knowledgeable throughout the entire time that I have have interacted with the company. He understands all the intricacies, rules, terminology, and changes that are part and parcel of healthcare insurance these days. In particular, he resolved a major problem that was brought about by an obscure rule change in Medicare. It took him many months to work it out but he never tired in his efforts and concern. As a result of his hard work and tenacity, I avoided several thousands of dollars in expenses. It was a big relief to have Matt on my side! Kathy H. read more

Years ago, Danielle at Schulte helped me with my COBRA transitions and recently Chris and Matt have helped me with the challenges of Medicare and the additional coverages. Schulte insurance is the go-to company for the best coverages of medical care options. Matt recently helped with getting me info on long term care. His communication and follow up made me feel that my needs are important and also the value of the policy was suited to my budget. Matt answered and explained any questions I had. He treated me with respect & professionalism, Schulte Agency has helped me wade through the challenges of medical coverage. I recommend them highly for people who need help or are looking for the best value for their budget. read more

I was trying to figure out what went wrong when I tried to get my son a policy on Covered California, and I finally gave up and called one of the agents Covered California listed as approved. Matthew Schulte answered the phone for his associate who had the day off, and said he would be glad to help -- and he did, big time. (Matthew usually handles groups, not individual, but didn't want me to have to wait till his associate returned after the holiday weekend.) By the end of a 20 minute call I had a good policy lined up and he called Blue Shield while I was on the phone to confirm he could get the start date to be June 1 (I called after the 15th of the month - which usually would mean waiting till July.) He also explained what went wrong with Covered California - the salary I guesstimated qualified for Medi-Cal and once Covered Cal puts you in the Medi-Cal category, apparently it's really hard to get out and you can't sign up for a Covered Cal policy, even if you're willing to pay the extra cost & forgo Medical-Cal. But the independent policy Matthew suggested (he gave me 4 to choose from - emailed me the quote WHILE we were on the call) seems totally fine. ALSO, Matthew was just the nicest man and very patient with my questions. I actually enjoyed talking with him. I highly recommend!! read more

Schulte Insurance Agency is the best insurance agency with which I've ever dealt. They not only advise regarding the best coverage but they find the best prices and provide the best service. I've been a client for more than 20 years and I've referred many others who are completely satisfied. Liz and Kris, and their entire family and staff, are extremely responsive when issues come up, as they occaisionally do. I am very thankful that we had friends years ago who recommended Schulte and I wouldn't hesitate to recommend them to anyone seeking the best insurance team available. read more

I have to say that I never post reviews on Yelp, but decided to start because my experience at Schulte was worthy of praise. I worked with Stephen last year to help me insure my family. From the start, the entire process was smooth and the team provided excellent customer service. This year I went back for help and again, Stephen has been outstanding. He was wonderful at helping me navigate a complex insurance situation. His expertise was bested only by his kindness as he took extra time and care to help me select the prefect insurance for my family. I cannot say enough about Stephen and Schulte Insurance. I am so thankful to have found them! read more

Schulte Insurance ALWAYS goes the extra mile for their clients. I have been a customer of Schulte Insurance for many years. All of their agents and employees have spent hours with me over the course of the years helping me choose a plan, find the best doctors, explaining out of pocket vs. covered expenses and listening to me complain about the changes in health insurance! I know for a fact that they often stay past closing time helping customers make deadlines for eligibility and are always taking calls with a smile from people with problems. I have never hesitated to refer them to friends and family, because I know they really care about doing a good job. Although one can buy insurance online now I think it is smart to go through an agency that you can call directly with problems and questions. If you are looking for an agent or a new agent, call them! read more

All wonderful people that are willing to go the extra mile for you! It was our first time rolling out a company health insurance plan, and they really went above and beyond to help set this up for us and answer any questions that we or our employees had. Would highly recommend :) read more

I had the pleasure of working with Jessica Walker from Schulte Insurance Agency. She went above and beyond to help my family and I out with an individual insurance plan. Jessica researched every plan until she found one that would fit our exact needs. I am so grateful for her and all the help she provided. She made us feel like we are apart of her family and was always there to answer any questions that came up during our search process. I will be recommending her to all our family and friends. Thank you so much, Jessica and Schulte Insurance Agency! We appreciate you!! xoxo read more

We have been working with Schulte Insurance for approximately the past 10 years for our insurance needs. The consistent professionalism and customer service continues to be amazing. Each of the staff members are knowledgeable and extremely helpful. We have referred others and have been told they have had a similar experience and outcome. It's why we come back as our needs change over the years. Thank you for outstanding service- I would strongly recommend their agency, read more

Matt and his team are amazing. Talk about customer service. I cannot say enough great things about the team. I had a complicated insurance policy and did not expect them to resolve my issues. They went above and beyond. The best part is supporting a local small business in Encinitas. Thank you. read more