​​​Who Needs Life Insurance or Accidental Death & Dismemberment Insurance? 

Chances are you need life insurance or Accidental Death & Dismemberment Insurance because it provides cash to your family after your death, especially if someone will suffer financially when you die. 

This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses, apartment rent or house mortgage, car loans and college funding. What’s more, there is no federal income tax on life insurance benefits. 

To help you understand how Life Insurance or Accidental Death & Dismemberment Insurance might apply to your particular situation. 

If You are a Single Person 

Most single individuals don not need Life Insurance or Accidental Death & Dismemberment Insurance because no one depends on them financially. But there are exceptions. Some single individuals provide financial support for aging parents or a sibling with special needs. Others may be carrying significant debt that they wouldn’t want to pass on to family members who survive them. Insurability is another reason to consider life insurance when you are single. If you’re young, healthy, and have a good family health history, your insurability is at its peak and you’ll be rewarded with the right rates on life insurance. 

If You are a Married Person 

What if one of you died tomorrow? Many individuals believe that they don’t need to think about life insurance or Accidental Death & Dismemberment Insurance until they have children. Even with your surviving spouse’s income, would that be enough to pay off debts, car loans, cover the apartment monthly rent or house mortgage and utility bills? Some companies won’t issue policies to pregnant women, so if you’re planning to have  children, you’ll want to buy life insurance today instead of waiting until pregnant.

​​Neighbor, I'm here to help. 
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Need assistance or not sure what plan meets your needs? Thinking about, What is term life insurance? What is whole life insurance? What is universal life insurance? What is final expense insurance? What is accidental death insurance? What is no exam life insurance? What is simple issue final expense whole life insurance? Need a final expense insurance quote? I am here to personally help you find the right plan for you. One-on-one we can look at your needs, explore your choices and decide on a plan with confidence. As your trusted advisor, I’m here when you need me, not just at enrollment, but as a partner through your membership. When you have questions, I’ll get you answers. Call Andy Lopez (858) 549-6758.

Andy Lopez (858) 549-6758 at Mira Mesa Office Mall San Diego California 92126 USA
10717 Camino Ruiz, # 101, San Diego CA 92126. Licensed Life Insurance Agent Mira Mesa, Miramar, Mission Valley, Mission Village, Murrieta, National City, Normal Heights, North Park, Ocean Beach, Oceanside, Speak Filipino Accidental Death Insurance Agent Old Town, Pacific Beach, Paradise Hills, Point Loma, Poway, Ramona, Rancho Bernardo, Rancho Penasquitos, Rancho San Diego, Rancho Santa Fe, Speak Filipino Final Expense Life Insurance Agent Santa Luz, Solana Beach, Sabre Springs, San Clemente, San Diego, Serra Mesa, San Luis Rey, San Marcos, San Ysidro, Scripps Ranch, Speak Filipino No Exam Life Insurance Agent Santee, Spring Valley, Temecula, Torrey Highlands, Tierra Santa, University City, University Heights, Vista, Alpine, Bonita, Speak Filipino Final Expense Whole Life Insurance Agent Carmel Valley, Cardiff By the Sea, City Heights, Clairemont, Carmel Mountain Ranch, College Grove, Coronado, Crown Point, Camp Pendleton, Carlsbad, Speak Filipino Term Life Insurance Agent Chula Vista, Del Mar, El Cajon, Escondido, Encinitas, Encanto, East San Diego, Fallbrook, Hillcrest, Imperial Beach, Speak Filipino Whole Life Insurance Agent Jamul, Kensington, Kearny Mesa, La Costa, La Jolla, Lakeside, Lemon Grove, Leucadia, Logan Heights, Lake San Marcos, Speak Filipino Final Expense Insurance Agent Vista, Mission Beach, Mission Hills, Fashion Valley, South Park. Mira Mesa San Diego Tax Services. Mira Mesa San Diego Income Tax Preparer and enrolled agent.  FREE Online San Diego California Life Insurance Quote.​ California Licensed Life Insurance Agent: San Diego, El Centro, Chula Vista, Escondido, Solana Beach, San Marcos, Oceanside, San Clemente, Santa Ana, Long Beach, Los Angeles, Valencia, San Fernando Valley, Simi Valley, Santa Clarita, Santa Barbara, Solvang, Hemet, Palm Desert, Moreno Valley, Riverside, San Bernardino, Big Bear Lake, Yucca Valley, Oxnard, Palmdale, Lancaster, Adelanto, Victorville, Apple Valley, Hesperia, Barstow, Lenwood, California City, Santa Maria, San Luis Obispo, Atascadero, San Miguel, San Simeon, Bakersfield, Delano, Lemoore, Coalinga, Fresno, Los Banos, Monterey, Carmel Valley, Salinas, Hollister, Santa Cruz, Gilroy, San Jose, Milpitas, Fremont, Hayward, San Francisco, Morgan Hill, Pescadero, Redwood City, Tracy, Concord, Martinez, San Rafael, Vallejo, Santa Rosa, Napa, Modesto, Oakland, Stockton, Sacramento, Roseville, Daly City, Union City. Nagsasalita Ng Tagalog or Pilipino or Filipino, Tawag Na (858) 549-6758.

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​If YOU do not currently have coverage, you should be aware of the cost of final expenses. Especially now, when a traditional funeral costs average $8,343 and many run over $10,000. California San Diego Residents Ages 50 to 85, Who Will Pay For Your Final Expense? LEARN MORE

Need assistance or not sure what plan meets your needs? Thinking about, What is term life insurance? What is whole life insurance? What is universal life insurance? What is final expense insurance? What is accidental death insurance? What is no exam life insurance? What is simple issue final expense whole life insurance? Need a final expense insurance quote? I am here to personally help you find the plan that’s right for you. One-on-one we can look at your needs, explore your choices and decide on a plan with confidence. As your trusted advisor, I’m here when you need me, not just at enrollment, but as a partner through your membership.
​When you have questions, I’ll get you answers. Call Andy Lopez (858) 549-6758.

andy Lopez

insurance Solutions

If You are Married with Children 

Most families depend on 2 incomes (Husband and Wife) to make ends meet. If you died suddenly, could your spouse continue meet all their financial obligations from paying apartment rent or house mortgage to daily living expenses? Could your family continue their standard of living on your spouse’s income alone? Would their plans for the future like college or having a better life stay intact? Life insurance or Accidental Death & Dismemberment Insurance makes sure that your plans for the future don’t die when you do. 

If You are a Single Parent

With so much responsibility resting on your shoulders, you need to make doubly sure that you have enough life insurance or Accidental Death & Dismemberment Insurance to safeguard your children’s financial future. Single parent means, you are the mom and dad, the caregiver, the breadwinner, the cook, the driver and so much more. Yet single parents have no life insurance or Accidental Death & Dismemberment Insurance, and many with coverage say they need more than they have. 

If You are a Stay At Home Mom / Dad 

Childcare, transportation, cleaning cooking, and other household activities are all important tasks, the replacement value of which is often severely underestimated. Just because you do not make money or earn a salary doesn’t mean you don’t make a financial contribution to your family. With life insurance or Accidental Death & Dismemberment Insurance, your family can afford to make the choice that best preserves their quality of life, if you died tomorrow. San Diego Life Insurance you don’t have to die to use (10 to 30 Year Guaranteed Term).

If You Have Adult Children 

Just because your children are through college and the mortgage is paid off doesn’t necessarily mean that you no longer need life insurance or Accidental Death & Dismemberment Insurance. What if one of you died tomorrow? Your spouse will still be faced with daily living expenses. Without life insurance or Accidental Death & Dismemberment Insurance, would your financial plan enable your spouse to maintain the lifestyle you’ve worked so hard to achieve now and into retirement? 

If You are Retired Now 

Your heirs could be hit with an estate-tax payment after you die, depending on the size of your estate. The proceeds of a life insurance or Accidental Death & Dismemberment Insurance policy are payable immediately, allowing heirs to take care of these taxes, funeral costs and other debts without having to hastily liquidate other assets, often at a fraction of their true value. If properly structured, Life Insurance or Accidental Death & Dismemberment Insurance Proceeds are also generally income tax free and won’t add to your estate tax liability. 

If You are a Small Business Owner 

Life Insurance or Accidental Death & Dismemberment Insurance can also protect your business, besides taking care of your family. What would happen to your business if you, one of your fellow owners or a key employee died today? Life insurance or Accidental Death & Dismemberment Insurance can help in a number of ways. A life insurance or Accidental Death & Dismemberment Insurance policy can be structured to fund a buy-sell agreement. This would ensure that the remaining business owners have the funds to buy the company interests of a deceased owner at a previously agreed upon price. That way, the owners get the business and the family gets the money. To protect a business in case of the death of a key employee, key person insurance, payable to the company, provides the owners with the financial flexibility needed to either hire a replacement or work out an alternative arrangement. 

It makes good sense to ask a Licensed Insurance Agent to help you. 
​​A licensed insurance agent can help you review your insurance needs and give you information about the available policies. If one kind of policy does not seem to fit your needs, ask about other types. Review your life insurance program with your insurance agent every few years to keep up with changes in your income and your needs or Call Andy Lopez (858) 549-6758 we can help. Before you suffer from High Blood Pressure, Diabetes, Heart Attack, Cancer, Stroke, Kidney Failure, Chronic Illness, Terminal Illness... and then Die
Be sure to get your Life Insurance first! FREE Online San Diego California Life Insurance Quote. 

​​​​Life Insurance or Accidental Death & Dismemberment Insurance 

Life Insurance or Accidental Death Insurance is a simple answer to a very difficult question: 
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How will my family manage financially WHEN I DIE? It’s a subject no one really wants to think about. But if someone depends on you financially, it’s one you CAN NOT AVOID. ​

Insurance Questions: What is term life insurance? What is whole life insurance? What is universal life insurance? What is final expense funeral insurance? What is accidental death insurance? Need a final expense funeral  insurance quote? Feel like Paying too much for Life Insurance? Thinking about Accidental Death & Dismemberment Insurance Policy with Return of Premium Benefit? We Can Help… Call Andy Lopez (858) 549-6758

Maybe you’ve considered buying Life Insurance or Accidental Death and Dismemberment Insurance or Final Expense Life Insurance in the past, and thought that you really didn’t need it, or perhaps you already have some coverage. In either case, there are some very good reasons why you should consider this affordable protection. 

Losing a Home is a Real Risk. Every year, many families lose their homes. The Reason... They fail to protect this important asset from Death, Chronic illness, Critical illness, Terminal illness or Disability. They find they do not have enough money to pay the bills and taxes to clear the estate, or there is not enough income to support the family and home. Chances are, YOU need Life Insurance or Accidental Death & Dismemberment Insurance. 

Most people don’t want to think about facing a terminal illness like cancer... or being stricken with a critical illness like heart attack or stroke… Ask us about, Life Insurance That Offers Living Benefits AND Death Benefits In One Convenient Solution. San Diego Life Insurance you don’t have to die to use (10 to 30 Year Guaranteed Term).

​There are many reasons to buy this protection and we are committed to providing high-quality coverage and excellent personal service. We strongly

recommend you give this offer careful consideration. If your relatives and friends want Life Insurance or Accidental Death & Dismemberment Insurance

coverage with Return of Premium Benefit, please refer us. 
​Call Andy Lopez (858) 549-6758.