Talk With a Life Insurance Agent in Walnut Creek

What Happens When You Call

An agent answers your questions first, then asks about your goals: income your family would need, a mortgage balance, final costs or retirement income. If you already have a policy, we start there. Many term policies carry a conversion privilege, and some whole life or universal life contracts can be strengthened by adjusting premiums, adding a rider or changing a beneficiary. Keeping a contract you already qualified for often beats starting over at an older age.

Sometimes replacement is the better answer. An annual renewable term policy whose premiums climb each year, or a universal life policy whose cash value is draining faster than illustrated, may cost more to keep than a new contract. When that is the case, we explain why with the numbers in front of you. From there we gather quotes, and if you want to move forward we schedule time at your business or by phone to complete the application.

Have These Ready Before You Call

1. Your current policy's declarations page or most recent annual statement, if you own one.
2. Your date of birth, approximate height and weight, tobacco use and any prescription medications.
3. A rough figure for your mortgage balance, other debts and the yearly income your family relies on.
4. The names of the people you want listed as beneficiaries.