Life Insurance
Life insurance agents are everywhere in Napa, Sonoma, Fairfield, Vallejo, Santa Rosa, Benicia and Vacaville CA. How do you choose the right agent? We suggest someone who will take the time to listen to your needs, and will understand the treasure that you are protecting. Give the gift of love to your family – the gift that gives after you are no longer there to provide.
Call Sackrison Insurance at (707) 931-0186 to set up a time to talk about life insurance.
Life insurance can be an awkward subject. It requires that we pause our busy schedule and ask the question … what if I die? What will happen to my loved ones? We want to help you do that. We are your trusted local insurance agency, and we have helped families all the way from the San Francisco Bay Area to Sonoma, St. Helena and Vacaville answer this difficult question.
Call Sackrison Insurance at (707) 931-0186 to set up a time to talk about life insurance.
Life insurance can be an awkward subject. It requires that we pause our busy schedule and ask the question … what if I die? What will happen to my loved ones? We want to help you do that. We are your trusted local insurance agency, and we have helped families all the way from the San Francisco Bay Area to Sonoma, St. Helena and Vacaville answer this difficult question.
Life Insurance Questions
Why should I have life insurance?
You should own life insurance because it is the most unselfish purchase you can make. It is one of the greatest ways to say to your loved ones, “I love you.” It is something you give your loved ones, knowing that you won’t be there to see their gratitude for this final gift to them.
Life insurance:
How much life insurance do I need?
You should sit down with your trusted insurance agent (we hope that’s us at Sackrison Insurance) and calculate the amount you will need. This involves projecting how much income will need to be replaced, the amount of expected final expenses and other factors. We can help with that. You may wish to use an online life insurance calculator before we meet. Here’s one at LifeHappens.org.
Term or Permanent? Which is best for me?
We’ll help you figure that out. Much of it depends upon the amount of coverage you need today, as well as the premium you can afford now. Our first concern is that you can get the face amount of coverage you need. Then we will help you figure out how to make sure that premium stays affordable years later, when rates go up because of your age.
Term Life Insurance is normally less expensive during the “term” that you have it, typically 5 years to 20 years. That’s why many young families choose it. Many of these Term Life policies have fixed, level premiums for the entire term of the policy, and that’s why they are attractive. There is no cash value buildup in a Term Life policy, so we want to discuss that with you and make plans for those later years.
Permanent Life Insurance, such as Whole Life or Universal Life, builds value as the policy ages. It is designed to last for your entire life, and addresses the need to afford your life insurance when you are older. Basically, the cash component of the policy pre-funds the policy in anticipation of the increased risk in later years. That’s anther way of saying, pay more now, and you can pay less later. A permanent policy also usually builds this cash value without current income tax liability on the internal buildup of value.
You should own life insurance because it is the most unselfish purchase you can make. It is one of the greatest ways to say to your loved ones, “I love you.” It is something you give your loved ones, knowing that you won’t be there to see their gratitude for this final gift to them.
Life insurance:
- pays final expenses
- replaces lost income for dependents
- creates an inheritance for those that follow
- pays federal and state “death taxes” on larger estates
- creates a lasting financial legacy to favorite charities
How much life insurance do I need?
You should sit down with your trusted insurance agent (we hope that’s us at Sackrison Insurance) and calculate the amount you will need. This involves projecting how much income will need to be replaced, the amount of expected final expenses and other factors. We can help with that. You may wish to use an online life insurance calculator before we meet. Here’s one at LifeHappens.org.
Term or Permanent? Which is best for me?
We’ll help you figure that out. Much of it depends upon the amount of coverage you need today, as well as the premium you can afford now. Our first concern is that you can get the face amount of coverage you need. Then we will help you figure out how to make sure that premium stays affordable years later, when rates go up because of your age.
Term Life Insurance is normally less expensive during the “term” that you have it, typically 5 years to 20 years. That’s why many young families choose it. Many of these Term Life policies have fixed, level premiums for the entire term of the policy, and that’s why they are attractive. There is no cash value buildup in a Term Life policy, so we want to discuss that with you and make plans for those later years.
Permanent Life Insurance, such as Whole Life or Universal Life, builds value as the policy ages. It is designed to last for your entire life, and addresses the need to afford your life insurance when you are older. Basically, the cash component of the policy pre-funds the policy in anticipation of the increased risk in later years. That’s anther way of saying, pay more now, and you can pay less later. A permanent policy also usually builds this cash value without current income tax liability on the internal buildup of value.