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Alta Vista Insurance Agency

2585 Pio Pico Dr, Suite 100
Carlsbad, CA 92008

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Expert Advice on Life Insurance

Life happens, and often at the most inconvenient time.

Most clients I speak with don’t know where to start when it comes to life insurance. They think it will be a difficult and scary process.

As someone very familiar with the matter, I can assure you, having a policy provides peace of mind and is easier than you might think.

There are two different types of policies:

  1. Term Life Insurance (lasts 10, 20, or 30 years)
  2. Universal (permanent) Life Insurance.

Most clients I speak to are interested in term life insurance because this is a policy which will typically get them to retirement or will cover them until the kids are out of the house and/or the mortgage is paid off.

When speaking to new clients about life insurance, here are a couple of things I ask them to think about:

  • Think about your mortgage, car payments, and bills, etc. What would it cost to keep your family just as they are now financially if something were to happen?
  • Do you want a plan you can put into place and not think about again? Or do you want a plan that offers things such as benefits for critical, chronic or terminal illness?

After getting a sense of what you want to protect we can then look at products and an application.

Putting a policy in place can protect your assets and loved ones. With a trusted insurance adviser to help you through the process, your life insurance fears can be dealt with, potentially providing a well-planned solution at a time when the unexpected happens and you can’t be there.

Call me today at 888.724.2124 or Get a Quote Here!


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Do You Want To Save Time or Money? Pick Both!

We live in a new world where everything is online. We can go to WebMD and self diagnose ourselves before we go to the doctor and get her professional opinion. How often are we convinced that we have some unthinkable disease thanks to our own research, only to find out it’s not as bad as we thought? Or when shopping for a new car, we read every online review study the stats before we finally go test drive the car. And we know more about the car than the salesman!

The same is true when shopping for a health insurance plan. The truth is, you know what is most important to you. Low monthly premium, low max out of pocket, brand name prescription drug coverage, generally everyone has a specific issue that is most important to them when shopping. When we are shopping we may log in to several sites, see the rates, compare to several other sites, try to get free ObamaCare online, (Which doesn’t exist for most of us) Finally we call an agent. And we may either know what we want, or at least know what questions we want answered. Sometimes though, just like when you were sure you had West Nile Virus, and it turned out to be the common cold or when you thought we wanted that sports car until youdrove it. You may be pleasantly surprised when you finally do speak to a knowledgeable insurance professional about our insurance. The truth is, there are hundreds of plans in multiple competitive markets. There are ways to get coverage even after open enrollment periods have closed. And the price, although high, is more affordable than a hospital stay without insurance. So save yourself some time, and call us to discuss your health insurance needs, wants, and budget. We offer on exchange plans as well as off exchange plans. Individual and Family based plans, as well as Small Business Group Plans. We look forward to saving you time and money.

Why not choose both? 

Click Here To Save Time AND Money

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Health Insurance Reform and You

Shopping for health insurance has gotten complicated lately. With the introduction of the Affordable Care Act, there are more plans and more choices than ever. There are many things to consider. 1) How much Tax Credit Do I qualify for?

2) What is the Individual mandate?

3) and what are the tax penalties for opting out?

Besides the concerns above, you should also consider whether you should buy a plan through a State Exchange (Covered California)? How do you know what plan is the best plan for you? And biggest of all, how much is health insurance going to cost? Making an informed decision for you and your family’s has never been more important.

I invite you to Download my free special report Health insurance reform and You. “7 secrets to get the most out of Obama Care” You’ll be glad you did.

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What is Obamacare? Kirby Thomas has your answers

irby Thomas heads up the Employee Benefits Division at Alta Vista Insurance Agency. This video will help you understand the highly debated healthcare plan: Obamacare. Kirby answers many common questions that you may have on Obamacare and how this healthcare plan will affect you and/or your business. Call him today 888-724-2124.

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