Life is full of risk, but don’t let that spoil the fun! We live in a beautiful regions, but with that beauty comes the risk of earthquakes, fires, and other natural disasters. We drive our cars and with that comes the risk that we may be involved in an accident. And we own homes and rent apartments, and of course, there is risk there just with ownership. But while we can’t and maybe don’t want to, live in a risk free world, insurance gives us the financial protection when tragedy strikes. Health insurance provides for financial assistance not only when we are sick and hospitalized, but for dental and vision care too. With the new Affordable Care Act, it may seem that we are all automatically covered against any illness, but that is not the case. The ACA does allow individuals to buy insurance at very reduced rates, but companies can still provide health insurance benefits to their employees and families can still benefit from dental and vision insurance. It’s less expensive than you think to obtain financial protection.
Insurance is financial protection against unexpected events
Vehicle insurance protects you in the event of car, boat, or motorcycle accident. California law requires all vehicles to be properly insured. Life insurance gives your family financial protection in the event of key parties death. This sounds terrible and it is very difficult to talk about what happens when one of your family dies, but these kinds of questions are much easier to discuss and plan for than you think.
People avoid talking about life insurance but it is extremely important to have these discussion even if you decide against purchasing life insurance.
Own a home? You must be insured. Homeowners insurance seems easy but the it is a question of the value of your home, the items inside, and the cost if you should need to move out while repairs are made. We can help.