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

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…

Why should you be concerned about future taxes?

With our official national debt about to top $19,000,000,000,000 and tax rates at historical lows, raising taxes is one logical way for our country to combat the growing debt problem. The diagram illustrates how we are historically in one of the lowest tax rates we’ve ever been in the past 95 years. As you save…

College Funding with Life Insurance

ARE YOU LOOKING FOR MORE FLEXIBILITY WHEN SAVING FOR COLLEGE? I speak to a lot of friends and clients who recently had babies, or have young children, and are concerned about the ever increasing cost of college. According to the College Board’s Trends in College Pricing, the 2013-2014 average total costs (including tuition, fees, room and…

San Diego Life Insurance

San Diego is an expensive city to live in. We know. We’re local. Life insurance is one of those things that provides for a family when the worst happens. The higher the cost of living, the more helpful this can be. We started out offering life insurance in San Diego years ago before it was…

Best way to save for retirement without a 401k

Is a 401K Really the Best Way to Save for Retirement?

Upon entering Corporate America, my HR director stressed the importance of participating in my 401K to save for retirement. She said if I max it out every year and save diligently, I’ll have $2million saved for retirement with no worries. She said it was the best way and how most of America will create a…

A New and Improved Retirement Savings Plan!

A Retirement Plan that Provides More Flexibility and Less Market Risk and Taxes Than a 401(k) If you are frustrated with the volatility in your 401(k), it’s important to learn about alternative options. Often the American worker starts a 401K with the best intentions, but does not realize the pitfalls that also plague a 401K. …