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Celtic Individual Health Insurance
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10 Smart Tips For Your Family's Financial Security
Taking charge 10 smart tips
Life Stories: Blanchard in Spanish / English
Life insurance is not for the people who die It is for the people who live
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Affordable Health Insurance for Individuals and Families
If you are a CALIFORNIA Resident
Looking for Affordable, High Quality Coverage
Looking for Comprehensive Medical Coverage
Looking for Temporary Health Insurance Coverage
Celtic Insurance Company
Celtic Insurance Company is one of the country’s leading nationwide individual health insurance providers. Offer quality affordable medical insurance for individuals and families, as well as the self employed. In the constantly changing world of health insurance, Celtic’s insureds are our highest priority.
Call Us Today (858) 549-6758 Andy Lopez
Tumawag Ngayon Filipino Po Tayo Llamame Ahora
Mira Mesa San Diego California Life Insurance Health Insurance
Questions To Ask About Life Insurance?
We understand that finding the protection for your family goes beyond finding the right insurance products. It is about creating a relationship with a financial professional who will listen to your long term goals, understand the issues that men and women face today, and then develop a strategy that makes sense for you. Since 1984, we have helped people protect their families. We will be there to provide the answers you need to protect yours.
What Kind Of Life Insurance Do you need?
All policies are not the same. Some give coverage for your lifetime and other cover you for a specific number of years. Some build up cash values and other do not. Some policies combine different kinds of insurance, and others let you change from one kind of insurance to another. Some policies may offer benefits while you are still living. Term insurance? Cash value insurance? It really depends on your financial goals and your choice should be based on your needs and what you can afford.
How Much Life Insurance Do You Need?
There is no one answer. Your income, age, the ages of your children, whether or not you own a business, and the size of your mortgage are just a few factors that can affect the amount of coverage you need. One rule of thumb is that you need life insurance coverage equal to five to seven times your annual gross income. But your needs may be more or less. So take the time to make a more accurate estimate. If you are part of a couple, do a separate calculation for each of you. Also evaluate whether you need life insurance to pay for children and household services that would have to be replaced in the event of death. If the only policy you currently have is the group term life policy provided by your employer, consider buying an individual policy.
In Buying Life Insurance, Important Things To Consider
Decide how much you need and for how long and what you can afford to pay. Be sure that you can handle premium payments. Can you afford the initial premium? If the premium increases later and you still need insurance, can you still afford it? Keep in mind the major reason you buy life insurance is to cover the financial effects of unexpected or untimely death. Life insurance can also be one of many ways you plan for the future.
Learn what kinds of policies will meet your needs and pick the one that best suits you. Don not buy life insurance unless you intend to stick with your plan. It may be very costly if you quit during the early years of the policy. Choose the combination of policy premium and benefits that emphasizes protection in case of early death, or benefits in case of long life, or a combination of both.
It makes good sense to ask a life insurance agent to help you. An agent can help you review your insurance needs and give you information about the available policies. If one kind of policy does not seem to fit your needs, ask about other types. Review your life insurance program with your agent every few years to keep up with changes in your income and your needs or call us.
Do not Take a Chance on Losing Your Home
It is easy and affordable to secure your family's future and their home.
Funds can be used to pay off the mortgage or other debts.
Funds to pay bills and estate taxes.
Funds to support your family.
Provide assurance and security at a time in your life when you need it the most. Call Us Today (858) 549-6758 Andy Lopez
Tumawag Ngayon Filipino Po Tayo Llamame Ahora
Mira Mesa San Diego California Life Insurance Health Insurance
Life expectancy is expected to jump from age 76.0 in 1993 to age 82.6 by 050. Source: U.S. Census Bureau 2001
Most savings levels are modest—The percentage of workers (72 percent) saying they have saved for retirement has returned to 2001–2006 levels after a slight dip in 2007 (66 percent). Forty nine percent of workers report total savings and investments (not including the value of their primary residence or any defined benefit plans) of less than $50,000. Twenty-two percent of workers and 28 percent of retirees say they have no savings of any kind. Source: The 2008 Retirement Confidence Survey: Americans Much More Worried About Retirement, Health Costs a Big Concern. Employee Benefit Research Institute, © 2008
Almost 50 million people in this country lack adequate life insurance. Source: Life and Health Insurance Foundationfor Education(LIFE), 2005
People are living longer. They're retiring sooner. And, they are increasingly unprepared for either.
Studies show that we are living longer. What about your current financial situation? If Something were to happen to you, could your loved ones meet the financial demands? Will they be able to cover your current obligations, such as a mortgage, car loans and credit card debt? Even if you currently have life insurance, will it cover all of your financial obligations?
The studies also show that we are retiring at an earlier age. This means we could be spending one quarter to one third of our lives in retirement. As we have recently seen, even such time honored traditions as the company pension are no longer guaranteed. And, even if they are, they may not provide you with enough post retirement income to keep up with the cost of living.
Call Us Today (858) 549-6758 Andy Lopez
Tumawag Ngayon Filipino Po Tayo Llamame Ahora
Mira Mesa San Diego California Life Insurance Health Insurance
Losing Your Home is a Real Risk. Every year, many families lose their homes. The Reason... They fail to protect this important asset from Death - Disability - Critical Illness - Unemployment. They find they do not have enough money to pay the bills and taxes to clear the estate, or there is not enough income to support the family and home.
It can happen to YOU
One out of every four American deaths is due to some form of cancer. Source: National Cancer Institute, October 2001.
The 1999 age-adjusted death rate for the United States was 881.9 deaths per 100,000, a 0.7 percent increase from the 1998 rate. Source: National Vital Statistics Report, Vol. 49, No. 8, September 21, 2001.
For Persons aged 15 years and over, a total of 5,651 deaths were reported on death certificates due to injuries at work. Source: National Vital Statistics Report, Vol. 49, No. 8, September 21, 2001.
One out of every ten American workers will become unemployed this year for a week or more. Most will remain unemployed for more than 13 weeks. Source: Bureau of labor Statistics, Labor Force Statistics from the Current Population Survey, 2001.
Call Us Today (858) 549-6758 Andy Lopez
Tumawag Ngayon Filipino Po Tayo Llamame Ahora
Mira Mesa San Diego California Life Insurance Health Insurance
Andy Lopez Network
10717 Camino Ruiz, Suite 101, San Diego, California 92126
Office Mall Mira Mesa San Diego California directions, Mira Mesa near Miramar, Penasquitos, Scripps Ranch, Sorrento Valley, Poway, Carmel Valley, Rancho Bernardo, Carmel Mountain, Kearney Mesa. Few Miles from Clairemont, Tierra Santa, Linda Vista, Serra Mesa, Escondido, San Marcos, Vista, Oceanside, Carlsbad, La Jolla, Pacific Beach, Point Loma, Old Town, Encinitas, Del Mar, Mission Beach, Fashion Valley, Mission Valley, Hillcrest. Few minutes drive from National City, Paradise Hills, Spring Valley, Chula Vista, Imperial Beach, La Mesa, El Cajon, Lemon Grove.
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