INSURANCE AND ITS IMPORTANCE

Insurance is a social device for spreading the chance of a financial loss among a large number of people. The insurance company or insurer receives small amounts of money, referred to as "Premium", from each of the large number of people buying insurance. Thus, a large uncertain loss is traded in this way for a small certain loss, "the premium". By purchasing insurance, a "person" shares risk with group of others there by reducing the individual risk of a disastrous financial loss. 

IS YOUR AGE AND HEALTH AT YOUR CONTROL?

Life Insurance premiums increases with Age. If a health problem occurs before you obtain coverage, you could face higher premium or be denied coverage entirely. Before the policy is issued, insurance companies reviews the Height-Weight Ratio, Medical Records, Tobacco / Alcohol / Drug Usage, Doctor Reports, etc. It is wiser and cheaper to get life insurance coverage when you are young and healthy.

INSURANCE FROM WORK - FOR HOW LONG?

Most policies from work are annually renewable and have limitations or restrictions. Work policies may get cancelled if you quit, lose your job, retire, or if your employer cancels the coverage. With a life insurance (individual policy) outside of work you don't have to worry about those uncertainties. 

MOST VALUABLE ASSET - CAR, HOME OR INCOME?

A person who earns $100,000 a year and works for the next 30 years, will earn a total salary of $3 Million. Without a doubt, this $3 million asset is probably greater than the value of any other asset they own. You insured your car, home, and other investments. Is your income (your most valuable asset) insured?

MIX & MATCH strategy

Combine policies to provide lifetime insurance, critical, chronic and terminal illness coverage, return of premium, guaranteed lifetime income, etc. Get better coverage and policy riders at a lower cost. I represent over 20+ companies, and have access to over 200+ insurance and savings plans to choose from.

"TRIPLE COMPOUNDING" 

Ask for savings policies that grow "tax-deferred" and benefits from the power of TRIPLE COMPOUNDING. That is you earn interest on your principal, you earn interest on your interest, and you earn interest on the money you would otherwise have paid taxes on the interest received. Get Market Returns WITHOUT the market risk with a MINIMUM guaranteed interest rate.

LIFE INSURANCE YOU CAN USE WHILE LIVING 

Living benefits pays a portion of the life insurance early, when the insured is alive, but is critical, chronic, terminally ill or, if the insured is permanently confined to a nursing home. Thus this policy protects the family with Life Insurance and protects and pays the insured with "Living Needs" coverage.

COLLEGE SAVINGS - WHOLE LIFE INSURANCE VS 529 Plans

Whole Life plans have attractive interest rates, regular dividends and no downside market risk. That’s right, zero risk. Whereas many college savings plans are subject to stock market risks. Life insurance cash values are not presently disclosed on the Free Application for Federal Student Aid (FAFSA). Consider investing "a portion" of your savings into a Whole Life or Indexed UL because it has a minimum interest rate guarantee, gives guaranteed benefits, protects against market risks, may give life time income, is FAFSA invisible, is somewhat creditor proof, accessed and transferred tax free, PAYS YOU (the insured) for Terminal Illness, Chronic Illness and Critical Illness conditions while living (during working years) and provides a death benefit to safeguard your family?

RIJU R. SAM

Life Insurance, Retirement Income, Pension Savings Plans

At your service from 2009 - Served 100's of clients across America

CA Lic: 0G49979                                     Representing 20+ Companies - Over 200+ Insurance Policies

Life Insurance    Term (35-30-20-15-10 years)       Return of Premium Term                 Whole Life

Univeral Life (Indexed and Guranteed)                 Disability Income Insurance           Health Insurance            Retirement Income and Savings plans                   Pension plans for Business  Owners / Self Employed

Employee Benefits         Worksite Insurance          Business Owners Buy / Sell Policies

Fast and Easy Electronic Application process

​RIJU R. SAM    Life Insurance & Retirement Plans  Licensed Agent   CA Lic: 0G49979  

Tel: 818-275-1019  Email: rijursam@outlook.com

Disclaimer: The information contained in this website are for illustrative and educational purposes only. Policy coverage under any insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state's approval and coverage may vary by state. Product terms, conditions, and exclusions not described in this web site may apply. All quotes and rates are for illustration purposes only. Actual premiums and coverage will be based on age, gender, health history, certain underwriting criteria, state of residence, medical exam and tobacco usage. All guarantees are based on the claims-paying ability of the insurer. While we use reasonable efforts to include accurate and up-to-date information, we make no warranties or representations regarding insurance policy features as insurance companies may change their product, rider features, state availability, coverage conditions, etc at any time with or without notice. Please ask about your state availability, issue conditions and exclusions of a particular insurance product before any insurance policy is purchased.