Reader’s Question: I want to get a life insurance policy but I would mainly need it to protect my daughter who is still in grade school here in California, should I go with a short-term insurance policy or should I go with a permanent one? Ira Costa Mesa, CA The best way to choose a [...]

Reader’s Question: I have a life insurance policy here in California, is that the same as a health insurance policy? Oliver Bakersfield, CA Although there may be accidental similarities, life insurance and health insurance are two completely different things. Life insurance policies are acquired for the sole reason of providing your beneficiaries financial compensation or [...]

Reader’s Question: I’m the main breadwinner of our family of four here in California but I was thinking if it would be practical to get life insurance for my part-time working spouse as well? Bart Sacramento, CA This is a very interesting question. A lot of married couples are faced with the decision of whether [...]

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 [...]

Reader’s Question: I hate to say this, but I really have no time for all those medical exams being required when you get life insurance. Is there a way for me to forego this medical exam in Glendale California CA? Richard Glendale, CA You may be pleasantly surprised to know, Richard, that there is actually [...]

Reader’s Question: I was about to finalize my life insurance with my agent from Fairfield California Ca when it hit me that this is not a joking matter, and I am actually committing to something for life. Is there a way to know if I have chosen the right insurance company? Jeremiah Fairfield, CA I [...]

Reader’s Question: We had our high school reunion in Escondido California CA last week and one of my classmates is now an insurance agent. He was convincing me to get a life insurance policy. To tell you frankly, I’m a bit wary. How can I politely turn him down? Sebastian Escondido, CA A reunion, huh, [...]

Reader’s Question: This global economic depression talk is really depressing me. Would it still be wise to get life insurance in San Francisco California CA at the face of this economic meltdown? Seth San Francisco, CA This is the heart and soul, and the very principle of insurances, Seth. When you are in need of [...]

Reader’s Question: I wonder why many people from El Monte California CA don’t like universal life insurance. Are they daft? Devin El Monte, CA They are, Devin, absolutely not daft. It’s just that life insurance is a personal matter and there is no one-size-fits-all policy. Insurance companies in El Monte California CA and in the [...]