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Alta Vista Insurance Agency

1020 S Santa Fe Ave, Suite K
Vista, CA 92084

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Life insurance FAQs

When it comes to life insurance, most people don’t think much about it until someone brings it to their attention. For many people, that is when you find out you are getting some through your employer as a benefit. When you decide to start thinking about the future and creating a financial plan to get you there, life insurance may fit that plan. Having a financial advisor or a trusted insurance agent is a good place to start. At Alta Vista Insurance Agency in Vista, CA, we are a full-service independent agency. 

When should I start buying life insurance?

The obvious answer is as soon as you can afford it. The younger and healthier you are, the less you will pay for a policy. If you are buying term insurance, you should buy a term long enough to get you through the years when you will have the greatest need. Whole life lasts for your whole life, but it will be priced best if you take out the policy when you are young. 

What other benefit does life insurance have beyond the death benefit?

If you have a whole life policy, it accrues cash value. If you need it, you may be able to borrow against that cash value. You may also be able to use the cash value to pay the premium if you are going through a tough time. 

Do I need to buy life insurance if I get some from work?

This is a thorny question, and the answer is probably yes. You may not be getting as much from work as you really need, and if you change jobs, you may not be able to take your life insurance with you. Having your own life insurance will guarantee you are never without coverage. 

Contact Alta Vista Insurance Agency in Vista, CA for your life insurance needs. 

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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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Personal Insurance Solutions

At this point of the process, we are ready to look at different insurance solutions that best meet your needs. Some insurance agents only work with one insurance company. They only have of one insurance product to offer you. The problem with that strategy is that if the only tool you have is a hammer, then all the problems you face look like nails.

Home

The cornerstone of home’s protection is a homeowners policy. Homeowners insurance policies typically cover fire. In California the standard homeowners insurance also covers wind and burst pipes. However, most homeowners insurance policies don’t offer protection for external flood, earthquake, landslide or water seepage. When insuring your property, it is very important to have a comprehensive needs based analysis conversation.

Auto

The typical car insurance policy covers your liability, which protects you from lawsuites. Personal injury insures you if someone else is injured by your vehicle. Property Damage protects other vehicles and others property if you cause damage with your vehicle. Comprehensive protects your vehicle from damage other than collision, for example theft and vandalism. Collision protects your auto if it is damaged in an accident.

Health

The Affordable Care Act, also known as Obamacare, has made a lot of changes to the health insurance landscape. Covered California is the new marketplace for people living in California, looking for coverage through Healthcare.gov. We are authorized certified insurance agents with Covered California. Whether you are looking for individual insurance, or you want to protect your entire family, we can craft a health insurance solution for todays environment that protects your household. For our clients over age 65 we also offer Medi-gap medicare supplement plans, and medicare advantage plans.

Life

Assessing the need for life insurance can be challenging. Do you need life insurance? Should you buy term or permanant insurance? Do you need to only have life insurance for a specific peroid of time, or do you have a need for life insurance for your entire life?

Carriers

We work with dozens of insurance companies because we are always looking for the best deal for you, our clients. We try to be more diverse in our product offering. By being independent, and not beholden to any one insurance company, we are able to make the best recommendation to you based on what best fits your needs, not the insurance company.

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