Long Term Care
Choosing the right type of life or health insurance policy can seem overwhelming. What type of life insurance is best for me and my family? How large of a deductible should I carry on my health insurance? Is cash value life insurance worth the extra premium? How does a deductible and coinsurance work with health insurance? All too often, people base their insurance decision on one factor: premium. While premium is certainly important, it should not be the sole determinant. Other factors should be considered. Having an experienced professional to help guide you through the decision process can mean the difference of getting the appropriate plan from the beginning vs. changing down the road because your initial decision did not perform as expected.
First and foremost, the main purpose of Life insurance is to protect your loved ones in the event of your passing. But, did you know it is an excellent vehicle for supplemental retirement savings? It has unique benefits, that IRAs and 401K plans do not have. You can even attach Long Term care riders to help you pay for living assistance in the event of a chronic illness. From Term Life, Whole Life or Universal Life, we can shop the market to find you the best plan to suit your specific needs. Ask us how to use life insurance to help reduce taxes from your retirement plan distributions.
A long term chronic illness can deplete your assets rapidly. With the advancement of medical technology, people are living longer. It is important to plan for the possibility of a chronic illness in your future. There are multiple ways to achieve this protection. From traditional plans, to hybrid plans to life insurance with long term care riders, you owe it to yourself to learn about ALL of your options. Then you can make an educated decision.
Whether you are looking for a PPO, HMO, HSA, HRA or Consumer Directed health plans, Healthcare Reform will change the landscape how employers handle their benefits. Especially in the small group market, the new law will have a profound impact on rates and benefits. Our objective is to help you understand the parts of the Affordable Care Act that will affect your business. Secondly, we will show you what are your options both within the exchange and outside of it. Does Supplemental insurance make sense coupled with a high deductible plan? We have some ideas that will surprise you. Do not allow the Affordable Care Act to dampen your spirits. Embrace it. We can help you and your business benefit from it.
Located in the San Gabriel Valley of Los Angeles County, Core Benefits is an independent Life/Health insurance agency, serving clients all over the state of California, but most of them are in LA County. We act as the broker or middleman between customer and carrier. We are not affiliated with one carrier. This enables Core Benefits to sell multiple carriers from multiple lines of coverage. With a growing team of commission based agents, our services to our clients are always free of charge.
The Core Benefit’s story begins with its founder, Lawrence Sin, who started his career in the insurance business with a major mutual life insurance company. After four years, it was time to begin his own endeavor with a focus on better health insurance with honest and accountable customer service. Moving forward fast in a government challenging environment, the Core Benefits’ crusade made a name for itself with personal service and education, broadening it’s services into into Medicare, Life insurance, Annuities, Long Term care and employee benefits.
Discover how CORE Benefits can educate and help you prepare, plan, and establish the best reliable insurances that meets your needs. A member from our team is ready assist you with fast and reliable answers.
1107 Fair Oaks Ave. #522
South Pasadena, CA 91030