Questions Families Ask Most

Give yourself and your loved ones the gift of coverage no matter which course your life takes. Disability does not care if you are 40 or 80. Whether you need at home care, an assisted living arrangement, or help of a family member, you are covered and the payouts are tax-free. Plus you have options to skip the hassle of submitting service invoices and bills and skip the medical inflation and rising cost of specialized care. You can enroll as early as you turn 30 which is when it is the most cost effective. Let us help you identify the best option for your health needs & location.

STEP 1 - You contribute money. Either as a lump sum or through regular payments. Your contribution is invested and managed by your trusted provider and grows tax-deferred. Ask us about using your already saved pre-tax retirement income.STEP 2 - You choose when income starts. Payments can begin immediately or years later, depending on the type of annuity and your retirement goals.STEP 3 - The provider pays you. Depending on what you chose, you can receive guaranteed income for a set number of years OR for the rest of your life, helping reduce the risk of outliving your savings.

This is what people mean when they say "Life Insurance" or "Term Life". It offers coverage for 10-35 years, depending on your current health and financial needs. Usually the most affordable option to ensure a designated death benefit for your beneficiaries in your absence. Before you finalize, ask me about riders that can cover you for additional death / disease scenarios. The older you get, the higher your risk profile, and the more health conditions you have, the higher may be your premium, so don't wait another day.

If you can afford it, why play it few years at a time with Term Life? Let's make sure you & your loved ones are covered end-to-end no matter how long you live. It has 2 parts:A - Death benefit for your beneficiaries. They are covered from day 1 of paying your first premium.B - Living benefits for you. You can avail a tax-free loan against your cash value that grows over time.

Term life insurance is temporary, budget-friendly protection with no living benefits, only benefits for your beneficiaries that are endowed upon your passing away. Rate, Face Amount & Duration: Your rate depends on your age, health, coverage amount, and term length. A good rule of thumb is to match your term to your biggest financial responsibilities or 10-15 times your annual income and to NOT depend on your employer for it.If you are still feeling lost with the simplest insurance solution, text 707.408.4225 with your question for a free, no-pressure quote comparison across multiple top-rated carriers.