Insurance San Diego CA

Insurance is a form of risk management, where one party pays another to hedge against some type of loss. Insurance policies can be purchased for a number of different uses and to protect against a variety of losses. Life insurance, auto insurance homeowners insurance, and health insurance are some of the most common types that people pay for. In these instances people are hedging against sickness and loss of life as well as damage and destruction of property at the hands of others. There are differing laws throughout the country that govern the necessity of having certain types of insurance.

Welcome Funds Inc.
(877) 227-4484
abc road
San Diego, CA

Data Provided by:
Preferred Employers Insurance Company
(888) 656-5678
1455 Frazee Rd., Suite 1000
San Diego, CA
 
Cardlink, Inc
(858) 939-9935
9320 Chesapeake Dr. #212
San Diego, CA
Alternate Phone Number
(858) 939-9935
Services
Finance & Insurance, Banks & Credit Unions

Oversea insurance
(619) 222-1122
1274 Scott Street
san diego, CA
Alternate Phone Number
800-266-2662
Services
Boat and yacht insurance

Liberty Mutual Insurance - Juanita Adame
(619) 370-6667
900 Lane Ave Ste 125
CHULA VISTA, CA
Alternate Phone Number
619-370-6667
Prices and/or Promotions
619-216-4803 Ext. 56089

CIG West Coast Insurance Center
(619) 326-8383
5694 Mission Center Rd. Ste 602 (#186)
San Diego, CA
Alternate Phone Number
619-326-8383
Services
Insurance Agency, Auto Insurance Agency, Home Insurance Agency, Renter's Insurance Agency, umbrella insurance

Farmers Insurance Sandy Jensen Agency
(619) 296-3276
1011 Camino Del Rio S #100
San Diego, CA
Alternate Phone Number
619-296-3276
Services
Auto, Home, Life, Commercial

Oversea insurance
(619) 222-1122
1274 Scott Street
san diego, CA
Alternate Phone Number
1-800-266-2662
Services
Boat and yacht insurance

Christian K. Clark Insurance Services, Inc.
(888) 333-5094
7851 University Ave Ste 103
La Mesa, CA
 
PRIMERICA
(619) 587-0985
311 F Street
Chula Vista, CA
Alternate Phone Number
6195870985
Services
Life Insurance, Auto Insur, Mortgage Insur, etc...

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Insurance

Insurance


Term Insurance or Whole Life Insurance?
By Jonas Zamora
March 13, 2007
Jonas Zamora is a Certified Financial PlannerTM professional. You may contact him at jzamora@zacks.com

There are two main types of insurance – term and permanent/whole life insurance. For many, term insurance is a good route because it is the least expensive life insurance. Some folks like the many bells and whistles that go with permanent insurance along with life time coverage. Of course this makes whole life insurance more costly.

Term Insurance

Term insurance is the least expensive. Benefits are payable at death as long as it occurs during the term of the policy. Coverage is purchased at a specific price for a specific period – the length of period can range usually from one year to 30 years.

If you have certain expenses that need to be paid off during a certain period, term is the way to go. Such expenses, like your mortgage or college education for children, are great examples of this. Let’s say you have a 15-year mortgage and your debt is $250,000. You may consider a 15-year policy to protect your family for the amount you owe. Same thing if you have young children. Match up the amount of insurance you buy with your expected tuition bill. Keep in mind that you must adjust today’s college expenses for inflation.

Remember that term insurance is inexpensive because your coverage lasts for a limited time and there is no investment component. The money you save by purchasing term instead of whole life, however, could always go into your own investment account or disability insurance.

Whole life/Permanent Insurance

Permanent or whole life insurance is more expensive and it covers you whether you die today or when you’re....

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Home Insurance

Over the last decade, the inflation cost of construction has far outpaced other sectors of the economy. If your homeowner insurance policy has not kept pace, you may have a coverage gap to be concerned about. Additionally, property owners create another coverage shortage by not advising their agent about additions and alteration upgrades. Most homeowner insurance policies contain clauses requiring an Insured to notify the agent and or insurance company when a renovation or addition increases the property replacement cost. The company is only obligated to pay up to the replacement cost of the documented square footage. You, as the homeowner, would have to make up the difference.

Attribution: All Choice Insurance Agency INCORPORATED

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