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Still in doubt? Here is what people had to say about Jason Suzuki & Associates
“When I first got hired as a CHP, I was referred to Jason Suzuki because of his complete understanding of our benefits. He explained everything from life insurance, disability, and even retirement, which made me very confident about my coverage. I highly recommend Jason Suzuki for his expertise and broad knowledge in insurance and retirement.”
“I have known Jason for over 20 years, and there is nobody I trust more with my insurance policies. Very knowledgeable and professional”
“Jason Suzuki got me dialed in with my disability insurance. When you’re fighting at the highest level with the “Ultimate Fighting Championship”, injuries occur often. Jason Suzuki explained to me the right amount of coverage that was just right for my situation. Jason Suzuki is my go-to guy.”
“I have known Jason for many years now and have become a dear friend. The trust I have in Jason is the reason why I decided to do business with him. He’s just solid.”
They differ in duration of coverage, premiums, cash value and investment component, but the main thing you oughta know is that term insurance offers temporary coverage for a specified period at lower initial costs, while whole life insurance provides lifelong coverage with level premiums and includes a savings or investment component that accumulates cash value over time.
Yes you can! We offer options tailored to fit your budget, ensuring your family’s security without straining your finances.
When selecting a life insurance policy, it’s essential to consider factors such as your financial obligations, long-term goals, and budget. Assessing your family's needs, including income replacement, debt repayment, and future expenses, can help determine the appropriate coverage amount. Additionally, consider the length of coverage needed, whether term or whole life insurance suits your needs best, and any riders or optional features that may enhance your policy.
The amount of life insurance coverage you require depends on various factors, including your income, family size, outstanding debts, and future financial goals. A common rule of thumb is to aim for coverage equal to 5-10 times your annual income. However, it's essential to conduct a comprehensive needs analysis with the help of a qualified insurance professional to determine the appropriate coverage amount tailored to your specific circumstances.
Family coverage extends your insurance benefits to your spouse and children, ensuring their healthcare needs are also covered under one comprehensive plan. You can include life insurance, health insurance, dental insurance, and other essential benefits in a family coverage plan.
In most cases, life insurance proceeds paid to beneficiaries are not subject to federal income tax. However, there are exceptions, such as when the policyholder transfers ownership of the policy to another party or if the policy is considered part of the insured's estate. Additionally, interest earned on the cash value of a life insurance policy may be subject to taxation. It's advisable to consult with a tax advisor for personalized guidance on the tax implications of life insurance proceeds.
Applying for life insurance coverage typically involves completing an application and providing information about your health, lifestyle, and finances. The underwriting process involves the insurance company assessing your risk level based on factors such as age, health status, and medical history to determine your eligibility for coverage and premium rates. Once approved, you'll receive a policy contract outlining the terms and conditions of your coverage.
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