Business Details
36 Years
experience
Your Trusted Insurance Partner in Fullerton, CA
At Fourth Street Insurance Service, Inc., our mission is to exceed client expectations through personalized service and expert guidance. Founded in 1990, we specialize in crafting innovative insurance solutions for individuals and employers across Southern California. Our approach prioritizes knowledge, sound judgment, and genuine care for every client we serve. As a referral-based business, we maintain rigorous service standards, ensuring we only accept clients when we can deliver exceptional value. Our diverse clientele ranges from startups to large corporations, alongside individual executives seeking tailored insurance and retirement planning.With over three decades of experience, we represent leading carriers and offer comprehensive services including medical, dental, life, disability, and 401(k) plans. Our teams expertise extends to compliance, estate planning, and employee benefits communication, positioning us as a trusted partner in navigating complex insurance landscapes. We are committed to transparency, ethical practices, and empowering clients to make informed decisions that align with their financial and personal goals.
Services
Medical Insurance
Dental Insurance
Life Insurance
401(k) Plans
COBRA Administration
Estate Planning
Disability Protection
Retirement Plans
Group Insurance
Employee Benefits
Details
- Year established: 1990
Highlights and features
- We specialize in navigating complex insurance markets to find cost-effective solutions.
- Our referral-based model ensures unwavering commitment to service excellence.
- Decades of experience serving diverse clients from startups to large employers.
- We offer personalized guidance in retirement planning and estate tax strategies.
- Our team maintains deep relationships with top-tier insurance carriers nationwide.
Associations and certifications
- Life Underwriters Training Council Fellow (LUTCF)
Services
Medical Insurance
We offer comprehensive medical insurance solutions for individuals and employers, including group plans, high-deductible options, and ACA-compliant policies. Our expertise helps clients navigate plan designs, reduce costs, and ensure compliance with evolving regulations while maintaining quality care access.
401(k) Plans
Our 401(k) plan services include tax-deferred investment strategies, employer contribution structuring, and compliance management. We help businesses implement retirement solutions that attract talent while providing individuals with personalized savings growth projections and tax optimization.
COBRA Administration
We assist employers in meeting federal COBRA requirements for groups with 20+ employees, managing eligibility determinations, premium calculations, and compliance documentation. Our support ensures seamless transitions for employees experiencing qualifying life events.
Estate Planning
Our estate planning services focus on minimizing tax liabilities through life insurance strategies, trust structures, and inheritance planning. We help clients protect assets, ensure liquidity for tax payments, and implement legacy preservation techniques aligned with federal exemption thresholds.
Disability Protection
We provide individual and group disability insurance solutions, including long-term care programs and corporate salary continuation plans. Our approach safeguards income streams against unexpected disabilities while offering tax-advantaged protection strategies for both employees and business owners.
People
Donna J. Corney
President
Licensed since 1984, Donna holds California and multi-state insurance licenses. She founded Fourth Street Insurance Service in 1990 and earned the prestigious LUTCF designation in 1992, specializing in comprehensive insurance solutions for Southern California clients.
Becca Gonzalez
Administrative Assistant
Becca has supported Donna since 2014, bringing professionalism and reliability to client service. A Fullerton native, she balances administrative excellence with family commitments and creative hobbies like cake pop artistry.
Questions
Why is health insurance so expensive?
Premiums are driven by federal/state regulations, advanced medical procedures, and high prescription drug costs, particularly for specialty medications.
Do I pay more for using a health insurance broker?
No. Brokers receive commissions from carriers at no additional cost to clients, similar to travel agents.
Can I purchase a high-deductible individual medical plan?
Yes. We offer catastrophic coverage plans with deductibles up to $5,000 for individuals seeking lower premium options.
How does COBRA coverage work for employers?
COBRA requires employers with 20+ employees to offer continued health coverage for 18-36 months after qualifying events like job loss.
What retirement plan options do you offer?
We provide 401(k) plans with tax-deferred contributions, catch-up contributions for those over 50, and customized corporate retirement strategies.
