Important Information
    Life Insurance


    Who needs it?

    If someone depends on you financially, you need life
    insurance.

    The death benefit can replace your income and provide
    the funds for the final expenses, daily living expenses,
    mortgage payments and other needs.

    What would happen to your family if you were to die
    tomorrow? Would they have enough money to pay the
    rent or the mortgage, food, transportation, education,
    health care, etc?

    How would their long-term financial goals be affected?
    Can your spouse afford to pay for the kids’ college
    education or can he/she afford to retire?

    Life insurance helps the people you care about the most!


    What are the different types?

    There are two basic types of life insurance: term and
    permanent.

    Term insurance is for a specific time period and is
    designed to meet temporary needs.

    Permanent insurance provides life long protection,
    provided you keep your policy in-force by making the
    premium payments. This type of life insurance
    accumulates cash values which can be accessed through
    policy loans.

    Which one is better?

    The answer to this question depends on your needs,
    priorities and financial goals.

    We will be happy to analyze your situation and make
    recommendations.

    How much life insurance do you need?

    Determining one’s life insurance needs can be very
    complicated. It depends on factors like your age, your
    income, your family’s current and future obligations, etc.

    Please contact us to have a needs analysis completed
    with no risk or obligation. We will be able to provide you
    with quotes from different companies once we have
    determined your needs.


    Health Insurance

    Health insurance pays for your medical expenses. If you
    have been sick before and used the services of a
    medical professional or had to be hospitalized you know
    how expensive those services can be.


    What are the different types?

    There are four basic types of health insurance.

        Indemnity Plans
        Preferred Provider Organisations (PPO)
        Health Maintenance Organisations (HMO)
        Point of Service Plans

    PPOs and HMOs are the most common types of the
    health insurance.

    Please check the different health insurance plans we
    offer. You can get a quote and even apply online!



    Disability Insurance

    Disability insurance provides you a stream of income in
    case you cannot work due to sickness or injury.


    Who needs it?

    If you are depending on your paycheck to pay your bills
    and sustain the standard of living you are enjoying, you
    need disability insurance.

    Our ability to earn a living is the most important asset we
    own and it needs to be insured as we insure our house,
    cars and other personal belongings.
    We tend to ignore this need as we feel uncomfortable
    talking about disability or as we think that it won’t happen
    to us. However, statistics show that one in five people will
    be disabled for one year before age 65. Also, disability is
    the cause of nearly half of all home foreclosures.


    How much do you need?

    Again, it depends on your current situation and your
    needs in case you are disabled. Another question is, how
    much you can qualify for as insurance companies usually
    have certain limitations to the amount of disability
    benefits you can have.

    Please contact us so we can answer your questions and
    provide you with quotes from different insurance
    companies.



    Long-Term Care Insurance

    Long-term care insurance is designed to reimburse you
    for some of your expenses when you need assistance
    with basic activities such as bathing, eating, or getting in
    and out of bed.

    Long-term care services generally fall into two
    categories: skilled care and personal care. The services
    can be performed in the home or community or in an
    institutional setting such as nursing home.


    How much does long-term care cost?

    Nationally, the average annual cost for a private room in
    a nursing home is $69,400 ($190/day). This number is
    $77,946 for San Diego and $106,671 in San Francisco.  


    What does long-term care insurance cover?

    A long-term care policy may cover nursing home care,
    home health care, respite care, hospice care, personal
    care in your home, services in assisted living facilities,
    services in adult day care centers and services in othe
    community facilities.


    Do you need long-term care insurance?

    It depends on your age, health status, overall retirement
    goals, income and assets. Not everyone should buy a
    long-term care insurance policy. Please contact us so we
    can answer your questions, analyze your situation and
    make recommendations.



    Business Planning

    Owning a business means you have to plan for future.
    What happens to the business if you were to die or
    become disabled? What happens if one your key
    employees leaves the company? Can you retain your
    employees or are you experiencing high turn-over?

    Your insurance programs should address the following:

    Business continuation

    As a business owner you should consider how to protect
    the business against events that may jeopardize the
    future of the business, like the death of the owner,
    business partner or a key employee.

    Employee benefits

    Employee benefits like health insurance, retirement plans
    or life insurance mean additional expense for the
    business however they are essential in attracting and
    maintaining quality employees.

    Executive benefits

    You can offer higher levels of benefits to your best
    employees  through the use of executive benefits.