Direct Line 408.425.5304     Email    
Nick Pham, Broker

Nick Pham, Broker

Insurance Services

Not only that I am a Real Estate and Mortgage Broker, I am also a licensed Insurance Agent, With the California Department of Insurance.  Over the years, I have built a team of professionals and referrals from Handyman to Contractors, Service Providers that I have personal use and trust, to assist my clients, families and friends.    I am proud to announce my association with Affinity Risk Management and Insurance Solutions, ARMIS is an independent insurance broker.


ARMIS has a premiere status with all the major insurance, retirement plan and workers’ compensation carriers. In fact, since 2000, ARMIS has been recognized as a TOP PRDOCUDER by all the major carriers including Anthem Blue Cross, Blue Shield and Kaiser. These relationships help ensure the clients will receive a superior level of service from each of the carriers we represent.


For personal quote, please feel free to contact me at 408.425.5304 or email me at


Click here for Instant Personal Health Insurance Quote


Click here for Instant Group Health Insurance Quote


Products & Services We Offer:


Individual & Personal Insurance


Ø  Home & Auto

Ø  Flood, Earthquake, Umbrella Coverage

Ø  Life & Disability Insurance

Ø  Individual & Family Health Plans

o  Health, Dental, Vision

o  Long Term Care

o  Short Term Care

o  Health Savings Plan (HSA)

Ø  Medicare Part D & Supplemental Plans

Ø  Professional Liability

Ø  Surety Bond


Commercial Insurance


Ø  Workers Compensation

Ø  General Liability

Ø  Property Liability

Ø  Errors & Omissions

Ø  Directors & Officers

Ø  Employment Practices Liability

Ø  Commercial Liability

Ø  Pollution Liability

Ø  Inland Marine

Ø  Umbrella

Ø  Crime

Ø  Bonds/Security

Employee/ Group Benefits


Ø  Group Health Plan

o   Health, Dental, Vision

o   Health Savings Plan (HSA)

o   Cobra Administration

o   Long Term Disability Insurance (LTD)

o   Short Term Disability Insurance (STD) 

Ø  Life & Disability Insurance

Ø  Executive & Carve Out Plans

Ø  Employee Assistance Programs

Ø  Business Travel Insurance/ Visitor Medical

Ø  Health & Wellness Programs

Ø  Section 125 Cafeteria Plans

Ø  Long Term Care


Retirement Services


Ø  Qualified Retirement Plans

Ø  Personal Financial Planning

o  Key Person Life Insurance

o  Flexible Savings Account (FSA)

o  Section 125 Cafeteria Plan

o  401k & 403B

o  Retirement Planning

o  Fix and Variable Annuities

Ø  Executive Bonus Programs

Ø  Non-qualified Deferred Compensation Plans



Affinity Risk Management License # 0G26044, Nick Pham License # 0G53036