Life Insurance – Who Are You Listening To?

Do you go to one source for all advice? Is there some oracle you go to for information on all things?

When speaking about life insurance, this no joking matter, especially when it comes to an issue that is literally about life and death.

How about another question: “Why would you consult anyone who is not professionally involved in the Life Insurance Industry?”

Therapists, attorneys, clergy members – these are all prominent people in highly qualified roles. These people are great and wise to speak to concerning their particular areas of expertise. You need professional advice in a specific and particular area of expertise, then talk to the most appropriate and qualified individual. Seek advice or help with the professional who is most laser-focused for your concern. Do not employ the wrong person for the wrong task, job or advice. It’s that simple … period!

However you do need to ask yourself the following: “How accountable are these people to the advice they are feeding me?”

The only thing that will matter when you are no longer there to handle things is the end result in the following question:

“Will your family be taken care of after you die?”

You must evaluate for yourself, who is best qualified to speak to you on whatever specific issue is of concern to you. When you are at a loss for answers, then this is the most critical time that you should seek advice from the most appropriate professional – this is the time when you seeking the correct advice should be placed on steroids! If you are the self reliant sort, making all decisions based on your own knowledge, research, feelings and intuition; then the responsibility still rests on your shoulders to educate yourself as much as possible regarding the given issue in mind.

The last thing you want in “life or death” is for the advice received to be of little or no benefit. To take the words of another as fact because you believed them or because they sounded like they knew what they were talking about, is not wise.

“What good is this situation to your spouse, children or siblings when you are dead?” Or, “What relief will they get from the decision you ultimately made?” You must make sure that the decision you settle on is based on superbly accurate information from a professional who specializes in that field; “an expert”. Do not obtain advice from a “someone” who is a know-it-all and clearly totally unqualified to give loving and caring advice to you on your family life insurance issues.

You would not ask your dentist about purchasing a new car except in a casual conversational capacity. Likewise, you would not ask your mechanic about the best way to whiten your teeth or straighten them. “Why would you ever turn to anyone for advice on life insurance other than an insurance expert?”

Raise yourself “up” to the highest level and standards – you deserve no less and certainly owe it to yourself and your family.

Information is the key issue here, not thoughts or feelings.
You must arm yourself with the most appropriate and accurate information to make the best decision for your beneficiary after you die.

The avenue your lawyer has followed concerning his personal family life insurance needs may not be what is best for you. Talking to your lawyer in this regard will elicit answers from your lawyer with the slant relevant to your lawyer’s personal family life insurance needs. This is not appropriate for your requirements so do not seek this conversation. It would be irrelevant and very dangerous advice!

Similarly, your neighbor does not qualify as an insurance consultant because he or she has a good job or a nice car. Do not seek life insurance advice from the wrong people. Do not seek life insurance advice from clever people specializing in different or alternate fields. Speak only to a person who has insurance accountability in the advice they dispense.

Remember to seek an Insurance Expert who has what it takes to navigate the documents, forms, questions and able to handle various situations that arise when searching out your insurance choice.

Consumer Info and Advice About Car Insurance in California

Auto Insurance La Mesa: Advice and Consumer Information

According to car insurance in La Mesa and the state of California it is a requisite to maintain 15/30/15 for coverage. That is:

  • Per person injury – $15,000
  • All injured parties – total minimum of $30,000 coverage
  • Damage done to property – $15,000 of minimal coverage

Those minimums would not be adequate in any state and California is considered high risk for car insurance.

I recommend you spend a few bucks extra to protect your financial well being. 100/300/100 is a much safer level of liability insurance. I wouldn’t go any lower than that.

Liability insurance protects you from monetary accountability when the result of an accident is your fault and people in or out of your vehicle sustains injuries; be it minor or worse – death.

Taking this in to consideration, would it not be advisable to carry over and above the minimums just mentioned, and go one step further by buying more applicable insurance?

Some that could benefit you are:

  • Collision: covers damages to your auto from other cars, plus road obstructions, immobile objects, etcetera.
  • Comprehensive: this coverage takes in almost any other possible non-auto loss; like damage by fire, flood, vandalism or theft, you name it.
  • PIP (Personal Injury Protection) auto insurance that pays instantaneous and ensuing health care expenditures when an accident occurs whether it is your fault or not. PIP is frequently thought as the “no-fault coverage.” Depending upon auto insurance in La Mesa – coverage laws can comprise of around 80% of medical expenses for you and your riders.
  • Uninsured/Underinsured Motorist: guard drivers when receiving injuries in a vehicle accident by an under insured or uninsured driver.

There are more and depending upon how you drive, where you drive and when you drive you should check into any and all possible types available to protect yourself in potential situations.

Premiums for car insurance in La Mesa will fluctuate depending upon any number of factors. Women, because they historically drive slower, hence are considered a better risk; makes of vehicles, driving records, ages, credit histories and marriage status. All of these will be used to determine your insurance premiums.

To acquire the best possible rate for any amount or type of coverage you decide upon, you definitely need to research thoroughly. Any car owner can easy receive information on vehicle insurance in La Mesa by surfing the Web. Don’t purchase when your not prepare or your unaware!

Life Insurance Quotes – The Best Way to Get the Best Life Insurance Quote

What is the best way to get a life insurance quote? The options today are huge and can be baffling to individuals who have not purchased financial products before. Most individuals will only buy insurance when they have a mortgage. The net affect of this type of purchasing is most are covered only for the mortgage amount with no extra funds to provide additional benefits for the surviving family.

If you need to obtain a insurance quotation I would recommend taking advice form a insurance specialist. Yes – you will pay for their advice by way of a commission payment which will mean the premium may be higher if you simply buy the product direct form any insurance company.

If you would like an idea of the cost you can use any of the comparison sites available on the internet. You may wish to do your own research so typing ‘life insurance quote’ into your preferred search engine will give you an excellent start in finding a range of competitive prices for many different types of financial products.

There are many well established and branded comparison sites that provide quotations from a number of leading companies which will provide you with an excellent indication of the cost of products you require.

Once you have acquired the comparison quotations I would use the services of a life insurance specialist and ask for quote based on their costs – You may find for a very little extra premium you will benefit form professional advice based on your own personal circumstances.