Reader’s Question: Would my age be a major factor when my life insurance rates here in California are computed? Harry Pomona, CA Yes, age is definitely a big factor in determining your life insurance policy. It would cost less to provide life insurance coverage to someone in their mid-30s as compared to someone who is [...]

Reader’s Question: Hi, my employer has already purchased group disability insurance in California. Do I still need to consider purchasing individual life insurance? Does working in an electrical company considered hazardous? April Los Angeles CA The job is considered dangerous according to the fatality rate or the ratio between deaths and the total number of [...]