Life Insurance in Norwalk, California

Mission Statement

It is our great pleasure to enrich peoples lives in any way we can. This extends to our business and the pleasure we take in helping you to in-sure and a-ssure your financial security for your family or your business, to also make a new friend in the process and ultimately to make you better off than you were before we met. When that opportunity arises, it's a WIN- WIN situation!

Reviews

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"Mrs."

A true pleasure working with these people. Honest, experienced, dependable. Thank you!

Nellie from Navarro   9/28/2021 5:27:28 PM

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1) Featured Topic Of The Month

LONG-TERM CARE INSURANCE AWARENESS MONTH (Yeah, it's a thing!) You’ve probably heard the statistics.......... Worldwide, 13 percent of people over the age of 60 require long-term care according to the World Alzheimer Report 2013. Roughly half suffer from dementia, including 80 percent of seniors in nursing homes. The number requiring long-term care is expected to triple by 2050! [1].......... Still, you may be thinking that long-term care is something you can think about later or just finance with your retirement savings when the need arises. Don't be fooled!.......... Below are five reasons to secure long-term care insurance (LTCI) now – not later........... 1. The cost of care is growing exponentially. For a 55-year-old Illinois woman, the median monthly cost for a private room in a nursing home is $5,870 in 2013. However, in 25 years, when she is 80 and actually needs care, that same room will cost $19,878 per month according to the Genworth Cost of Care Calculator.[2] How long would your savings last if you had to pay $19,878 a month for a room?.......... 2. You can only buy long-term care insurance when you’re healthy. Once you’ve been diagnosed with a disease or chronic condition, the cost of LTCI becomes prohibitive........... 3. You can’t rely on the government. Programs such as Social Security, Medicare and Medicaid are expected to struggle to support an influx of aging Boomers with increasingly longer lifespans........... 4. Premiums are lower and payouts are higher when you buy young. While buying young obviously costs less per month in the short term, it also make sense over time. For example, if you buy LTCI when you’re 55, you could pay roughly $75,000 in premiums and receive more than $800,000 in benefits. Conversely, if you buy at age 75, you would pay nearly $100,000 in premiums over a 10-year period and receive just $310,000 in benefits! [3].......... 5. LTCI may have better tax implications than alternative financing methods. If you are planning to pay for long-term care with other assets, talk to your financial planner. In some cases, the tax implications make long-term care insurance a more viable option........... Don’t delay! Long-term care planning should be taken care of right away! ..........Contact us for more information and a no obligation quote........... Ref's.: [1] http://www.alz.co.uk/research/WorldAlzheimerReport2013.pdf .......... [2] https://www.genworth.com/corporate/about-genworth/industry-expertise/cost-of-care.html .......... [3] http://www.marketwatch.com/story/5-reasons-to-buy-long-term-care-insurance-now-2013-09-11?pagenumber=1

2) Life Insurance

Most everybody needs some Life Insurance, if not to provide for loved ones left behind, then at the very least to cover Final Expenses. All Life Insurance plans are NOT the same! There are different types of policies and the right amount necessary to meet the need. We work for you to find the best plan, the best company, and the best rate to meet your Life Insurance needs.

3) Final Expense Insurance (funeral Planning)

The Five Necessities of a Funeral Plan: 1. Enough $ is readily available! 2. Immediate funds available! 3. Your desires are fulfilled! 4. The lowest price for arrangements! 5. Least possible Hassel to the family! Without a Final Expense Insurance Plan, your family will be left with the financial and the emotional burden of dealing with all the arrangements which can be extremely expensive and emotionally overwhelming. What if you could have the peace of mind that comes with having a plan in place that would relieve your family of the heavy burden that comes with not only paying for, but also arranging for a funeral to bring closure and relief to the family? Unlike other Final Expense Insurance that only offers a death benefit (and often only a Temporary/Term Insurance plan), we offer a full-service plan to cover the financial burden and also steps in to help families with all the hassle and from being overcharged which is so common when making funeral arrangements.

4) Disability Income Insurance

Disability Insurance is all about protecting your income in the event your income has stopped due to a sickness or injury that prevents you from doing your job. Do not be deceived into believing that your employer or the Government will take care of you. Sick pay, State Disability (SDI), Social Security Disability (SSDI) or Workmen’s Comp. all have their limitations and typically fall woefully short of replacing your regular income…IF you even qualify! The solution? Disability Insurance. But all Disability Insurance plans are NOT the same! There are different provisions, benefits and enhancements. We work for you to find the best plan, the best company, and the best rate to meet your Disability Insurance needs.

5) Medical Insurance

Offering On and Off-Exchange information, quoting, enrollment and service to all CA residents, and we can do it all online & by phone for your convenience. We work with you to find the best plan, the best company, and the best rate to meet your Medical Insurance needs.

Service Locations

Life Insurance Norwalk  -  Final Expense Norwalk  -  Disability Insurance Norwalk
Health Insurance Norwalk  -  Estate Planning Norwalk  -  Business Insurance Norwalk

Citations

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Updated as of 4/15/2024

Contact Information

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