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AssociationBenefits

Pacific Financial Designs, Inc.
2111 Palomar Airport Road, Suite 330
Carlsbad, CA 92011

Phone: 800-733-4487

Fax: 858-622-5025

Email: Contact Us

Kern Law Enforcement Association (KLEA) Benefit Programs

Kern Law Enforcement Association (KLEA) Benefit Programs


Life Lock Identity Theft Protection

Members of the KLEA now receive significant discounts when applying for LifeLock's Basic Identity Theft Protection and the LifeLock Command Center Protection. Contact Shane Cobb at (800) 733-4487 x305 for rates and information. Click here for: Application


Hartford Group Life Insurance Plan

This program offers active members of the association the opportunity to enroll in a life insurance program that offers a generous $100,000 death benefit, spouse/child coverage, accidental death benefit, and the ability to continue coverage into retirement. The cost for this program is $10.84 per payday. Click here for: Plan Details | Enrollment Application


Cigna Accidental Death and Dismemberment

This program offers active members of the association a supplemental life insurance that covers them on or off duty and pays in cases of accidental death. Premiums start at $1.27 per payday and coverage is available up to $500,000. Click here for: Plan Details and Application


Deferred Compensation (457) and 401(a) Options

Like most brokerage firms (Schwab, Smith Barney, etc.) we have professionally managed accounts. We are in a unique position to offer our clients institutional investment accounts.  Our access to Wilshire Institutional money managers provides low fee, established portfolios used by major pension programs and some foreign countries. In addition to these programs we offer IRAs that guarantee your balance with no management fees.


Life Insurance

We look at your total insurance picture and try to create an “insurance portfolio” that will accomplish your goals at the lowest cost to you. By shopping your insurance needs to many different insurers, PFD will be sure that you are getting the best value. We often will look to one company that might specialize in term insurance and another for more permanent protection. It is this type of individual customization that sets us apart and has allowed our clients to be assured that they have made a good financial decision. receive a no obligation life insurance quote. Click here for: Application