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

How Does Marijuana Use Affect Life Insurance?

Use marijuana and need life insurance? Since 2009 we have been helping clients get approved for life insurance who use marijuana. Whether you smoke, vape, or ingest it, contact us today for confidential help. If you work with the wrong insurance agent, you may be declined for coverage or pay smoker rates. We will walk…

Life Insurance for Same Sex Couples

The most important way for a same sex couple to financially protect their spouse and their children is through life insurance. Currently, there are 17 states that allow same sex marriage in the U.S. and that number is likely to improve over time. But, if you are a gay couple and are considering using life…

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…