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Take a walk down Memory Lane and see insurance ads and other ads from the 40's, 50's and 60's.
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If you are on a budget and just need some coverage I'll help you get the most coverage for the least amount.
But let me explain that I believe in insurance, and that is why I am in the business. I think it is the responsibility of every parent to have enough life coverage in place so that if something happened to them their spouse and children would have enough to money to continue on comfortably. Most people do not cover themselves for enough. I talk to people all the time, parents with young children and a mortgage, who are young enough to get good rates but only have one-hundred thousand or so dollars of coverage to take care of their family. Unless they have a million dollars in the bank, that is just not enough.
If you call me for a quote I'm going to tell you that you need enough coverage to leave your family at least one million dollars after they pay the mortgage off. So if you have a $400,000 mortgage you will need $1,400,000 in coverage. When that remaining million is invested right it should produce enough income to give the family a nice income. I don't look at the million dollar amount, I look at what the million would produce each year, and that has been an average of $50,000 to $60,000 per year. With a paid off home and $50,000 or so a year, Social Security, and any pensions or income that the remaining spouse earns most families would be financially comfortable after losing an income earning member of the household. If you already have one million dollars to leave your family then I would quote you on enough to pay off your mortgage and any estate taxes you think your heirs may have to pay.
No insurance agent wants to hear, when delivering a check to the surviving spouse in a family, these words, "Is that all?" For believers in insurance, for people like me who promote it, the goal is to write a big enough (and affordable) policy that the family will be financially secure after a loss. So speaking for myself and other agents, if I tell you that you need a big policy, don't think that I am trying to get a big commission, just remember that I am a believer in insurance and I'm committed to doing my job responsibly, which means I have to tell you what you really need.
I have access to the best term, universal life, health, critical illness and long-term care pricing on the internet. I can find a policy to fit any budget!
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2901 West Coast Highway Suite 200 Newport Beach, California 92663 Toll Free (800) 698.6014 Fax (866) 567.1938 California Department of Insurance License #0F77271
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