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Buy the Right Kind of Life Insurance

One of the most important expenditures the average family should make is life insurance.  It is also one of the most misunderstood.  It is absolutely critical that you make the right decision about the kind and amount of life insurance to buy.  In fact, the wisdom of your life insurance purchase could make a major difference in your family's security, should you die, and your quality of life if you don't.


Are You Leaving Your Family's Future To Chance?

Between work, kids, home, parents - and all the other responsibilities of the day, it's easy to ignore other important things. Life insurance can be one of those "when I get around to it" issues for a lot of families.

  • NO LIFE INSURANCE - 85% of U.S. consumers say they should have life insurance, but only 62% say they actually have it.
  • UNDERINSURED - 40% of Americans who have life insurance say they don't have enough of it. 
  • FAMILY UNPROTECTED - 70% of children 18 and under would have trouble meeting basic expenses if their primary bread-winning parent (especially both) were to die without a life insurance policy. 

Are you flirting with disaster? Statistics say a lot of families are on the edge of catastrophic financial disaster. Especially when you consider that while about six in 10 Americans say they own life insurance, nearly half of them may have insufficient coverage to cover the financial needs of their family upon their death.

What's disturbing is that there is no need for loved ones to be at financial risk. The vast majority of families can have quality life insurance. This includes you! 


How much is your car worth?
Do you insure  it?

How much is your house worth?
Do you insure it?

How much is your life worth?

Probably a lot more than your car or your house!
Can you afford not to insure your life?

  • What's its purpose? - Life insurance should really be called "income protection" because its purpose is to protect the family against the premature death of a breadwinner or a caregiver.  It acts as a substitute for income.  You will earn a fortune in your lifetime.  The potential risk of losing that earning power is what makes life insurance a necessity.
  • Who should buy it? - Mainly people who have others depending on them for income support.  If you have a non-earning spouse and/or children, or some other significant financial obligation, you need life insurance.  Your spouse may also need coverage, even if he or she doesn't work, if child care or other expenses would result from the spouse's death.  If you're single, or have significant cash resources, you probably don't need it.
  • What should you buy? - Inexpensive term life insurance.  A common misconception about life insurance is that it is a permanent need that each family has.  However, most financial experts see it as a way to simply "buy time" until you accumulate savings, not as a permanent fixture in your financial program.

Term Insurance. Term is the only type of life insurance we offer to families. We believe it's really the only type of insurance that will allow working families to buy enough to cover their needs. While everyone's needs will vary by family and even over time, a good rule of thumb is that you'll need five to 10 times your annual income. The good news is you can do that with the term life insurance we offer. Take action and get on it right now! Contact me.


804 Pier View, Suite 101                 
Oceanside, CA  92054


Email:       Phone: +1 760 473 1210                 
Fax: +1 760 517 5113