California Health Insurance
Your Health & Future
If you don’t have health insurance – like some 45 million other people in California and across the US – you’re putting your health and life at risk; you’re gambling with your future and the well-being of your family.
The high costs of medical bills can create a devastating impact on your life. You don’t have to have major surgery or a serious illness for this to happen. The costs of checkups and minor hospital visits add up and can drain your savings account or max out your credit cards.
If you don’t carry health insurance, you are also likely to avoid or postpone regular doctor visits. These routine checkups and screenings help prevent major medical issues in the future or at least check potential problems before it’s too late.
Medical insurance isn’t cheap, but here at Malcolm Brown Insurance Agency we’ll work with you to find coverage that you can afford and that meets your needs. If you put off getting insurance until you or a family member gets really sick or is in need of major medical attention, it might not be possible to find insurance with affordable rates.
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California Life Insurance
Protect Your Loved Ones’ Future Today
It’s not a pleasant thought, but it’s a fact that anyone of us can pass away suddenly and unexpectedly. Fatal accidents, natural and manmade disasters, and terminal illnesses are a part of everyday life. It’s sad but true, tragic events happen all the time.
The important question you need to ask yourself is what you can do to protect and provide for those you would behind in the case of your unexpected passing.
Life insurance can help. You can find policies that will help your family with the costs of a funeral.
You can find policies that will help your family continue to pay the bills and maintain their standard of living.
You can plan for life insurance to be inheritance to your heirs if you don’t currently have assets to hand down.
Above all, finding the right life insurance is finding peace of mind .
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Go through the questions below to help determine what kind of health and life insurance policies are right for you.
- How does life insurance work?
- How much life insurance should I have?
- Who will receive money if I die? How much?
- Does it matter how I die as to how much my beneficiaries will collect?
- Will my beneficiaries receive the benefit in one lump sum, or will it be distributed over a period of years?
- Who can I name as my beneficiaries? How often can I change them?
- Are there different types of life insurance I should consider?
- Do I have to die to collect on life insurance?
- Will I ever need to requalify to keep my life insurance policy, as long as my premiums are paid on time?
- How do companies set a price for life insurance?
- Which life insurance is less expensive—permanent or term?
- If term life insurance is less expensive, why buy permanent?
- If I need to cash in my life insurance at some point, how much will it be worth?
- What is the major purpose of health insurance?
- What are the major types of individual health insurance policies?
- Do I need an individual policy if I have group insurance at work?
- What is a major medical health insurance policy?
- How does a health insurance deductible work?
- What does “coinsurance” mean in a health insurance policy?
- What is the purpose of “coinsurance”, “stop-loss”, “maximum out of pocket”, etc. Isn’t this just complicating the policy?
- What does a disability income policy do?
- What does “disability” mean?
- How long can I collect under a disability income policy?
- Must I be disabled for a certain length of time before my disability benefits begin?
- What is a PPO?
- What is an HMO?
- What is the purpose of PPOs and HMOs?
- What if I want to go to any doctor or hospital I choose?
Some content reprinted with permission from Trusted Choice®; www.TrustedChoice.com
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