FINDING THE BEST LIFE INSURANCE OPTIONS FOR YOUR NEEDS
The financial planners at Rowling & Associates in San Diego will sit down with you to discuss your specific life insurance needs. Based on your goals, we will create a customized analysis to calculate how much life insurance you may need. And, because we receive no compensation for recommending a specific life insurance (or any financial product for that matter), you will get an unbiased opinion.
It doesn’t matter if you already have insurance or if you have just explored the options, you may have heard terminology like “term insurance,” “whole life coverage,” “variable life insurance,” and “universal life coverage.” It can be confusing.
We prefer term life insurance, although you have the option of reviewing other types of policies.
The main reasons we recommend term insurance include:
- Premiums tend to be more affordable than those of other types of insurance.
- The payment method is more straightforward.
- There are fewer variables than other policies.
- It is considered “pure” insurance.
Once you know your insurance needs, we will refer you to low-cost, independent insurance brokers that only work with the clients of fee-only financial planners. However, you are also encouraged to shop around to find the best rate for your policy.
Articles Related to Life Insurance:
Health Savings Accounts are very popular and, if available to you, very often are highly recommended. Most employers now offer additional high deductible health care plans with an HSA account feature to make their benefits package even more enticing. But why are HSAs...
Imagine that you just started at a new job and HR hands you a document outlining your employee benefits. There is a section of the benefits package called Supplemental Health Plans. These include a number of options with scary sounding words relating to your health...
An earthquake can cause expensive damage to your home when it happens. If you live in an earthquake-prone area, like San Diego, you may want to consider obtaining earthquake insurance to protect you should the worst happen. In this article we’ll take a look at the...
As many of us will remember, 2020 saw much of California, Oregon, and Washington damaged by the 27 wildfires that roared through various counties in late August. Sadly, those of us living in these states know that “fire season” is a yearly occurrence, and there is a...
In our previous post, we took an in-depth look at term life insurance policies and the various benefits they can offer. However, these are far from the only life insurance options available. In this post, we will be taking a closer look at another equally complex type...
Do you have the right coverage?
Contact a professional at Rowling & Associates to discuss your life insurance needs and policy coverage right for your own personal situation.
P: (619) 295-0200
F: (619) 295-0210