Protect your family today · Retire on your terms
Life insurance & retirement planning in Long Beach, CA
A husband-and-wife team helping families and business owners across Los Angeles, Orange and Riverside counties protect what they have and build wealth that lasts.
Start here
What would you like to protect or grow?
Pick a topic to see how it works, or start with a free financial analysis and we’ll look at the whole picture.
One local team for protection, savings and retirement income
Most families get insurance from one person, retirement advice from another and estate help from no one. We put it in one plan and show you the trade-offs before you decide.
Carriers
4
Carriers compared for you, so the policy fits you, not a quota.
Counties
3
Los Angeles, Orange and Riverside, in person or by video.
Reply
48 hrs
We get back to you within two days to set up a time.
Languages
EN · ES
Meet in English or Spanish, whichever feels like home.
Plans for every stage of life
Where are you right now?
- Starting a family ›Cover the people who depend on you, and start a savings head start for your kids.
- Buying a home ›Make sure the mortgage gets paid even if illness or loss hits the family income.
- Changing jobs ›Decide what to do with your old 401(k) before a check, and a tax bill, shows up.
- Running a business ›Benefits for your team, key person coverage and a plan for who takes over.
- Planning retirement ›Build income you can count on, with less of it lost to taxes.
Insurance you can use while living
Life insurance isn’t only for after you’re gone
Many policies today include living benefit riders. If a doctor certifies a qualifying illness, you can take part of your death benefit early and use it however you need: medical bills, the mortgage, or income while you can’t work.
Terminal
Life expectancy of 12 to 24 months, depending on the policy.
Chronic
Unable to do 2 of 6 daily activities, like bathing or dressing.
Critical
A covered diagnosis such as a heart attack, stroke or cancer.
Illustration only · hypothetical figures
A $500,000 policy and a heart attack at 48
The amount you can take, any discount or fee, and the conditions that qualify all depend on the carrier and the rider. We compare them side by side before you apply.
Our story
A family business built to close the wealth gap
Jordan and Sarun Van Rijsbergen started Modern Money after seeing families in their own community work hard and still fall behind. With Joseph and Cristal Diaz, they teach first and sell second.
How it works
Three steps, no pressure
Free financial analysis
We look at your income, coverage, savings and goals, and show you where the gaps are.
A plan you understand
We compare carriers and explain each option with charts, costs and risks, in English or Spanish.
Reviews as life changes
New baby, new job, new business: we adjust the plan so it keeps working for you.
Client stories
What families say about working with us
My husband and I got an IUL policy for us and our two children, ages 7 and 4. We went in with a specific budget, and the team listened and tailored a policy that fits. Jordan and Sarun used graphs and charts to show us exactly how it works.
Jordan and Sarun gave us a comprehensive guide to how universal life insurance works for our daughters, and answered every question afterward. Never once did we feel pressured to purchase any policies.
I don’t have kids, but I didn’t want my family to struggle with funeral costs. I learned I can use my policy while I’m alive if I become terminally or chronically ill. You don’t need a family to benefit from life insurance.
Visit or meet online
Based in Long Beach, serving three counties
Meet us at our office on East Spring Street, or by video from anywhere in Los Angeles, Orange or Riverside County.
Los Angeles County
Long Beach, Lakewood, Signal Hill, Carson, Torrance, Downey, Cerritos, Bellflower and more.
Orange County
Seal Beach, Huntington Beach, Garden Grove, Westminster, Santa Ana, Anaheim, Irvine and more.
Riverside County
Riverside, Corona, Eastvale, Moreno Valley, Temecula, Murrieta and more.
Questions
Frequently asked questions
What does Modern Money do?+
We’re licensed life insurance agents and retirement planners in Long Beach, CA. We help families and business owners with life insurance that includes living benefits, tax-advantaged retirement income, annuities, children’s savings, estate planning with life insurance, 401(k) rollovers when you change jobs, and health insurance.
Do I have to live in Long Beach to work with you?+
No. Our office is at 2051 E Spring St in Long Beach, and we work with clients in every city in Los Angeles, Orange and Riverside counties, in person or by video.
What happens in the free financial analysis?+
We review your current coverage, savings, retirement accounts and goals, show you where the gaps are, and explain the options that fit. There’s no obligation to buy anything.
Do you only sell one company’s policies?+
No. We work with several carriers, including National Life, Columbus Life, North American and Symetra, so we can compare riders, costs and underwriting before recommending one.
Can we meet in Spanish?+
Yes. Cristal Diaz on our team is bilingual in Spanish and English. Mention it when you reach out and we’ll set it up.
Start with a free comprehensive financial analysis
Tell us about your family and your goals. We’ll get back to you within 48 hours to set up a time.
[Licensing and disclosure wording: to be added at client review]