About Us

Oceanside, Carlsbad, Vista, San Marcos, Escondido, Temecula,
Murrieta, Santee, El Cajon, San Clement, Mission Viejo, Big Bear Lake

Justus “Jay”  Gray and his daughter Heather are independent insurance broker – agents, and have been helping Southern Californians find affordable Insurance for over ten years.
They represent America’s finest insurance companies and offer Life Insurance, Burial – Final Expense, Medicare Advantage & Medicare Supplements, Annuities, Individual and Group Health Insurance. We represent  major Insurance carriers, customizing plans to fit the needs & budget of our clients. We do all the research to make your choices easy.

When you shop for Final Expense, Life Insurance, Annuities, Health Insurance, Dental Insurance and Medicare Supplements, we recommend that you compare different plans. We will do a side by side analysis to help you pick the right Final Expense, Life Insurance, Annuities, Health Insurance, Dental Insurance and Medicare Supplements. We help individuals, families, groups, small businesses, self-employed, that are looking for annuities, health insurance, group health insurance, and life insurance.

The different types of annuities that we offer are: Immediate Annuity, Fixed Annuity, Equity Indexed Annuity, Income Annuity, deferred Annuity, Indexed Annuity, CD Annuity.

The different types of health insurance that we offer are: Individual and Family, Self Employed, HMO’s, PPO’s, Group Plans, Health Savings Accounts, Senior Plans, Student, Accident and Injury Plans, Critical Illness Plans,   Temporary Plans, Guaranteed Issue Plans and Medicare Supplements.

The different types of Life Insurance that we offer are: Universal Life Insurance, Term Life Insurance , Whole Life Insurance, Permanent Insurance, Keyman Insurance, and Final Expense Insurance.

Just Us Insurance is located in Oceanside.
To assist you , our Agents offer in home appointments in
Oceanside, Carlsbad, Vista, San Marcos, Escondido, Temecula,
Murrieta, Santee, El Cajon, San Clement, Mission Viejo, and Big Bear Lake.
Just Us Insurance operates in San Diego, Riverside, Orange and San Bernardino Counties.