Helping You Plan
for Tomorrow

If you are looking for Individual Medical Health Plans.
We can assist you with ACA plans AKA as Obama Care.
Or Individual Insurance Plans. Or other options for you.
Best Moreno Valley Life Insurance Companies

Ready to Retire?
Income Planning

We provide many different types of Life Insurances.
Term Life, Whole Life, Indexed Universal Life and Final Expenses
We will do a comprehensive review of your life insurance needs and
offer our recommendations to you.
Slider background 1 - Senior Shopping options online.

The Easiest Way To
Get Health Insurance

Whether you’re protecting your family or
yourself, Lucero Benefits Services will help
you find the right insurance for your specific needs.

Welcome To Lucero Benefits Services

We are here to assist you with your benefit needs. From Medicare, Individual Medical Insurance, and Individual Dental Plans.

We are also here to assist in your Life Insurance and Retirement Income planning.

Free Zoom Video Calls

Save up to 15% online - book an online or in-person consultation today.

Medicare Enrollment Help

Free consultations - get help today! Live phone call or in-person meeting*.

Find a Medicare Plan

    Need Help? Call Us at 951-807-3332

    What We Specialize In

    • Insurance
    • Needs Assessment
    • We are taking the Covid-19 Pandemic extremely seriously. Lucero Benefits Services is offering online consultation with use of Zoom Cloud Meetings and Face Time. Contact us if you would like an online consultation.
    Medicare Plans

    Medicare Plans

    We can assist you with your Medicare choice of Advantage, Supplemental (Medigap) and Prescription Drug Plans.

    Life Insurance

    Life Insurance

    We provide many different types of Life Insurances. We will do a comprehensive review of your life insurance needs and offer our recommendations...

    Dental Plans

    Dental Plans

    We are here to assist you with your benefit needs including choosing the right Dental Plans for you.

    Health Insurance

    Health Insurance

    Second, we strive for our clients to make an informed decision. Thru a thorough presentation of all pertinent information.

    Retirement Income

    Retirement Income

    We provide many different types of Retirement Income Planning services.

    Free Consultations

    Free Consultations

    Our two goals when meeting with our clients is two fold. We first do a thorough needs assessment to make sure that we are providing the best...

    Needs Assessment

    Needs Assessment

    We provide many different types of Life Insurances. Term Life, Whole Life, Indexed Universal Life and Final Expenses.

    Relationship Building

    Relationship Building

    Everyone has different insurance needs. Be it Health, Life insurance, and Retirement Income.

    Manage Your Retirement

    If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started. Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow (see the chart below). Make saving for retirement a priority. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.

    • Start saving and keep saving
    • Know your retirement needs
    • Consider basic investment principles
    • Learn about your employer’s pension plan

    Insurance Built Around your Needs and Dreams

    The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged is called the premium.

    Our Top Insurance Topics By Category


    Medicare Supplements

    • What is the best Medicare plan in California?
    • Get the coverage you need.
    • “Medigap” = Medicare Supplement Insurance
    • Is Medigap right for you?
    view scenario

    Medicare Advantage

    • Health Maintenance Organization Plans
    • Preferred Provider Organization (PPO) Plans
    • Private Fee-for-Service (PFFS) Plans
    • Special Needs Plans (SNPs)
    view scenario

    Needs Assessment

    • 10+ years of experience
    • We do a comprehensive review for you
    • Everyone has different insurance needs
    • Know exactly what they are saying Yes to
    Need Help?

    How Much Life Insurance Do I Need?

    Life insurance falls into two different categories—whole and term. Some provide you with a cash value, taking the premiums you pay and investing them into the market, while others only pay out if you die within a certain time period. Some policies allow you to renew your coverage after a certain expiry date, while others require a medical exam. Need Help?

    Free Consultation,

    Quick and Easy

    We use secure and safe communication solutions to ensure your experience is comfortable as possible.

    • Zoom is the leader in modern enterprise video communications, with an easy, reliable cloud platform for video and audio conferencing, chat, and webinars across mobile, desktop, and room systems.
    • WhatsApp With WhatsApp, you’ll get fast, simple, secure messaging and calling for free*, available on phones all over the world.
    • Phone Call start a conversation and get professional insurance benefits advice over the phone.
    • Email start a conversation and get professional health insurance advice by electronic mail or phone call.

    Start a Conversation

    Our Clients Rate Us

    Caring and diligent

    Gilbert Lucero has been very helpful in helping my husband and I select a Medicare Advantage Enrollment plan suited for our needs. Not only is he very helpful, but he is also kind, caring and diligent.

    Very Helpful

    Mr. Lurcero is a pleasure to work with. He is prompt, professional, and very helpful! I would recommend his services to my friends and family knowing they are in good hands.

    Kursti M. Business Owner
    Unique & Professional

    Your service is unique and professional. I will continue to recommend your professional services to others now and in the future. Thank you Gilbert!

    Ruben Godinez Manager

    An article was recently published about the Best Insurance Agencies in Moreno Valley and Lucero Benefits Services was included as one of the best.

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