AllWealthCare Insurance & Financial Services is a San Francisco, CA independent insurance agency operated by Diana Polyakov, a licensed California insurance agent specializing in health, Medicare, life, dental, and vision insurance. The agency is also registered as Insurance Center Helpline, Inc., a California licensed insurance agency. Located at 201 Spear St, Suite 1100, San Francisco, CA 94105. Contact at 415-994-4121 or visit dianaknowsmedicare.com.
About Diana Polyakov
Diana Polyakov founded AllWealthCare Financial & Insurance Services in 2013. As an independent agent, she holds contracts with most major California insurance carriers, allowing her to compare options across insurers rather than selling for any single company. Her practice is particularly focused on helping clients navigate the complexities of Medicare — a subject she has written about and discussed publicly, including guidance on Medicare Supplement (Medigap) vs. Medicare Advantage (Part C) plans.
Insurance Services
Health Insurance (Individual, Family, Small Business)
- ACA marketplace plans through Covered California — qualifying events, special enrollment, subsidy eligibility
- Off-marketplace individual and family plans
- Small group health plans for San Francisco Bay Area businesses
- Dental and vision coverage — standalone and bundled options
Medicare Insurance for Seniors
Diana’s site (dianaknowsmedicare.com) reflects her expertise in Medicare navigation — a complex area where choosing the wrong plan type can result in significant ongoing costs or loss of doctor access. Services include:
- Medicare Advantage (Part C) — comparing HMO and PPO Medicare Advantage plans available to Bay Area Medicare beneficiaries, including zero-premium options and network analysis.
- Medicare Supplement (Medigap) — standardized supplemental plans (A, B, D, G, N) that cover out-of-pocket costs not paid by Original Medicare; generally more flexible for travel and out-of-network care than Medicare Advantage.
- Medicare Part D (Prescription Drug) — analyzing formularies and out-of-pocket costs for specific medications before enrollment.
- Enrollment timing guidance — avoiding late enrollment penalties (Part B penalty: 10% per 12-month period of delayed enrollment; Part D penalty: 1% per month).
Life Insurance
- Term life insurance for income replacement
- Permanent life products for estate planning and permanent protection needs
What Clients Say
Verified Bay Area client reviews (from Unilocal, multiple dates):
- “Insurance is a pretty complicated subject, and Diana makes complex things simple and clear. And $$-efficient as well. She works with all health insurance companies and can give an unbiased input on what is the best insurance company or health plan for your unique needs.” — San Francisco client, 5 stars
- “Their website is easy to super simple to navigate… I reached out and contacted the agent directly by phone, and she provided friendly and courteous assistance. I even finally got an understanding what Medicare is (even though I don’t need it yet!)” — Bay Area client, 5 stars
Contact
AllWealthCare Insurance & Financial Services (Insurance Center Helpline, Inc.) is at 201 Spear St, Suite 1100, San Francisco, CA 94105. For health, Medicare, or life insurance consultations in the Bay Area, call 415-994-4121 or visit dianaknowsmedicare.com. Additional resources: life insurance guide 2026.
Data verified: June 2026 — agent identity, address, services, and client reviews confirmed via 99insurance.com, Unilocal, and agency website. California licensed independent insurance agent since 2013.