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These questions often come up and I hope the following provides some answers:
LIFE INSURANCE
How much life insurance should an individual own?
Life insurance should equal 6 to 8 times annual earnings. Factors to determine the amount should include income sources, marital status (spouse's earning capacity), number of dependents, amount of death benefits payable from Social Security, any employer plan and other special needs (education fund).
Can an existing life insurance policy be used to pay off an outstanding mortgage loan?Yes, an
existing policy, either term or cash-value life insurance, can be used for many purposes, including paying
off an outstanding mortgage loan balance in the event of the insured's death.
HOME INSURANCE
Do I need earthquake insurance?
Your home is likely the most valuable asset you own. Most ordinary homeowner’s insurance policies do not
cover earthquake damage. Earthquake insurance does and we can provide both affordable California home
owners insurance as well as the most competitively priced earthquake insurance.
HEALTH INSURANCE
I am changing jobs, can I get insurance coverage between jobs?
Yes, we offer one month to 12 months coverage policies while you change occupations, with your choice of PPO
and HMO plans to cover you and/or your family or your children.
How many employees do I need to get group coverage for my newly formed corporation?
Two...group coverage is available in a wide variety of plans. Most often, employees can pick and choose a carrier of their preference, so one may have a PPO plan and another may select an HMO plan. We also offer Heath Savings Account (HSA) plans. We can provide information and a quote for California health insurance plans at the most affordable rates on the market.
DENTAL & EYECARE PLANS
To find a Dental Plan in your area, click on the link below:
To find a Eyecare Plan in your area, click on the link below: 
AUTO INSURANCE
Are you planning to sell a vehicle and replace it with a newer one?
Call us, you may need to increase your deductible or liability amounts.
Do you have a child about to turn 16 who will soon be driving?
You should definitely consider a review of your family’s policy.
Are you experiencing a “mid-life crisis” and buying a sports car?
First call us...so you know before you go...your rates may be affected.
Are you thinking of buying a motorcycle or motorized scooter?
We can offer coverage. Call us for more information on all of the above auto insurance questions.
COMMERCIAL VEHICLE INSURANCE
Is your business fleet expanding or upgrading?
We understand the need for competitive commercial vehicle insurance rates.
Do I need a commercial auto insurance policy?
As a businessowner, you need the same kinds of insurance coverage for the car you use in your business as
you do for a car used for personal travel -- liability, collision and comprehensive, medical payments and coverage
for uninsured motorists. Whether you need to buy a business auto insurance policy will depend on the kind of driving you do.
BUSINESS INSURANCE
What does a business owners policy cover?
It only takes one disaster to be catastrophic to the bottomline, wiping out years of hard work. We offer business insurance policies that combine protection from all major property and liability risks in one package. One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies often purchase a commercial package policy or customize their policies to meet the special risks they face.
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