About

Independent means I'm not selling for one company.

My team of senior retirement planners shops dozens of carriers every day to find where your money actually works hardest.

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Why Independent

One carrier can only offer one answer.

I'm not employed by an insurance company, and I don't sell one product line. As an independent agent, I hold appointments across a range of carriers — which means when I look at your accounts, I'm comparing what's actually available right now, not what one company wants me to sell.

Our team consists of senior retirement planners who research and structure these strategies full-time. I bring that resource to your specific situation, rather than relying on gut instinct alone.

My focus is narrow on purpose: fixed indexed annuities, indexed universal life insurance, whole life, long-term care planning, and rollovers. I don't manage investment portfolios, and I'm not a securities-licensed advisor. What I do is make sure the fixed, guaranteed side of your retirement picture is working as hard as it can.

Most of my clients come from referrals — family, friends, and the occasional conversation that started as something else entirely. I'd rather earn a second conversation than push for a first close.

At a Glance
LicenseCA #0M61599
Based inCosta Mesa, CA
ServesOrange County & beyond
SpecialtyFixed products only
Typical clientAge 50–70
How I Work

A conversation first, a recommendation second.

01

Listen first

Every review starts with your situation, not a product. I'd rather understand your timeline and goals before I mention a single carrier.

02

Explain plainly

No jargon, no urgency tactics. If something doesn't make sense the way I explained it, that's on me to fix, not you to figure out.

03

No pressure close

Some reviews lead to a recommendation. Some don't. Either way, you'll leave with a clearer picture than you had before we talked.

Let's start with a conversation.

Twenty minutes, no cost, no obligation.

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Dearing Insurance Solutions
(949) 287-3878 · [email protected]
Dearing Insurance Solutions is an independent insurance agency. California Insurance License #0M61599. Steve Dearing offers fixed insurance products including fixed indexed annuities, indexed universal life insurance, and long-term care solutions. Not a registered investment advisor. No securities-related advice is offered. Guarantees are backed by the claims-paying ability of the issuing insurance carrier. This website is for general informational purposes only and does not constitute a recommendation specific to any individual's circumstances.