Blog of Abrams Insurance in San Diego CA 858-703-6178

Travel Insurance

Comprehensive Travel Health Insurance for any Trip Abroad Always protect yourself with travel insurance when traveling outside the country. Your regular health insurance will only offer limited coverage, if any, when you are traveling abroad. At Abrams Insurance Solutions, we are pleased to provide you with a variety of premier travel insurance packages that suits…

Life Insurance for Smoker

We know it can be difficult for tobacco users to get affordable life insurance rates. But it is a reality that 21.1% of women and 24.8% of men smoke. So what can a smoker do to make sure they get the lowest life insurance rate possible? We’ve answered some common questions for you here. Why are…

Should I Buy Decreasing Term Insurance (Mortgage Protection Insurance)?

Should I Buy Mortgage Life Insurance? We have been receiving many calls lately asking about mortgage protection insurance, otherwise known as decreasing term insurance or mortgage life insurance. The concept sounds logical; the death benefit equals the amount of the mortgage and decreases over time as your mortgage balance is paid down. Shortly after closing…

Life Insurance for Business – Options & Strategies

Starting your own small business comes with volumes of hurdles, strategic life insurance is only one of them. Still, we try to reverse the misconception that only large corporations can take advantage of the strategies business life insurance can offer. Quick Summary Corporations and life insurance companies have created dozens of ways over the years…

Group Business Insurance

Insurance is one of the least exciting things about starting a business. Even though we’re biased as a small business that helps match people with the coverage they need, we understand that most business owners aren’t looking forward to figuring out what’s right for their business. If you have any questions, give us a call…

Best way to save for retirement without a 401k

Qualified Plans

How do Qualified Plans compare to an IUL? Learn the truth about 401(k)s, IRAs, 403(b)s, etc. No one likes paying taxes! In fact, most people would prefer to avoid paying taxes today at almost any cost. Many individuals place their money in a 401(k), IRA, SEP, or SIMPLE retirement accounts thinking they are saving taxes.…

6 Strategies for Charitable Giving with Life Insurance

Charitable giving with life insurance offers a way to leverage money for increased donations and minimize taxes. It’s a less common strategy. There is an array of tax considerations, as well as strategies depending on your specific goals. We’ll cover them in detail. Quick Summary Donating to charity through life insurance is more complicated than…

When and how to use a Term Conversion

How to Convert Your Term Life Insurance Policy at the End of Term What is term life insurance? Term life insurance provides death benefit protection for a certain time period – usually 10, 15, 20, 25 or 30 years. The amount of term insurance can vary greatly from $100,000 of coverage to several million dollars…

Best Ways to Find Affordable Health Insurance

Affordable health insurance takes some legwork. But it’s within reach and even fairly fast if you get your priorities straight and ask for help. We will cover all the basics, terminology, and strategies for finding the right health coverage at the lowest possible price. If you want to get help from a knowledgeable insurance advisor,…

Why is a Life Insurance Review Important?

The Importance of a Life Insurance Policy Review You spend your life building a portfolio of stocks, bonds, real estate and IRA’s. You keep a pulse on the performance of these financial products, monitoring market fluctuations, interest rate trends and pricing efficiencies. As your life’s plan evolves, you continually set and reset investment objectives and…