Coverage Made Simple

Helping you choose the right Medicare plan with expert guidance and personalized support.

Meet Petia Lilova

Independent Insurance Broker
Serving Clients Since 2007

Petia Lilova is an independent licensed insurance broker specializing in Medicare, Life Insurance, Long-Term Care, Disability Insurance, and Annuities. Since 2007, she has helped individuals and families find coverage that fits their healthcare needs, financial priorities, and budget.

By working with multiple leading insurance carriers, Petia is able to provide unbiased plan comparisons and personalized recommendations. Her goal is to make complex insurance decisions easier to understand and help every client choose coverage with confidence.

Our Insurance Services

Personalized Medicare insurance solutions designed to fit your healthcare needs and budget.

Medicare Advantage

Explore Medicare Advantage plans tailored to your healthcare needs, budget, and preferred providers.

Medicare Supplement

Reduce out-of-pocket healthcare costs with Medicare Supplement coverage designed for greater financial peace of mind.

Prescription Drug Plans

Find Medicare Part D coverage that helps lower prescription medication costs and supports your ongoing healthcare needs.

What Our Clients Say

Hear from clients who trusted Safe Harbor Financial to help them confidently choose the right Medicare coverage.

Lorraine G.
San Clemente, CA

Great services for Medicare insurance.

Thomas B.
San Clemente, CA

The service is friendly yet professional and...“I appreciate the personal service and feel confident that my best interests are always being considered. The service is friendly yet professional and I am always made aware of detailed coverage as well as any comparable choices.”

Keith C.
San Clemente, CA

She is transparent and honest and very skilled at explaining clients options.“I am a financial planner, but I send all of my clients to Petia. Her knowledge far exceeds even my own. She is transparent and honest and very skilled at explaining clients options. Thank you, Petia for your good service!”

Lisa M.
San Clemente, CA

“Great to have help in regards to picking the right coverage when my medicare benefits begin. It was very confusing and she simplified it so easily. Thanks for your help!!”

Ready to Discuss Your Insurance Options?

Call Petia today for personalized guidance based on your healthcare needs, priorities, and budget.

This website is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

© 2026 Safe Harbor Financial Services. All rights reserved.

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