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Pomona, CA 91766

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California Insurance Blog

3 Reasons Why You Should Have Life Insurance As Early As Possible

Many people believe that life insurance isn’t necessary until they have children and have reached their golden age. While this might sound convenient, the experts at THINK Insurance & Financial Services don’t agree. People in Pomona, CA are gradually beginning to realize that life insurance is important for everyone even those who are in their twenties. You don’t need to get to your fifties before you buy life insurance and here is why:

1. Reduced Premium

Buying life insurance when you’re young and healthy means you’ll pay lower premiums compared to when you buy at an older age. Sometimes, people in their forties get to pay twice as much for premiums than people in their twenties. Opting for a permanent life insurance policy when you’re younger may lock in your premium for the rest of your life.

2. You’ll Reduce The Burden On Your Loved Ones

If you still have a lot of debt to pay in your twenties and you decide to buy your life insurance, you’ll be protecting your relatives from paying off all your debts. You can opt for a level life insurance policy that covers some of these debts to protect your loved ones from paying your debts in the event of your death.

3. You May Not Qualify

If you wait too long to buy a life insurance policy, you may not be qualified to buy one later. Buying it when your young and healthy is ideal because if you wait till you eventually fall sick, you may not qualify to buy one. Don’t think of it as an added burden. Think of it as a form of security. When you buy it early, it will remain in place even if you fall ill later on. Your policy provider might recommend adding some riders to the already existing policy.

For more information about early life insurance in Pomona, CA, contact THINK Insurance & Financial Services.

How Commercial Insurance Protects Your Business Interests

Your Pomona, CA business is an important asset to you. Why wouldn’t you take the appropriate steps to put in place the necessary commercial insurance in order to stay in business and protect yourself from financial loss? This is where agents located in Pomona, CA working with THINK Insurance & Financial Services can be of service to you. They can show you how commercial insurance protects your business interests.

Commercial insurance includes coverages that protect your business property, liability insurance, protections for if your machinery breaks down, or your shipments are lost in transit. The size and type of business you have will certainly dictate the type of commercial insurance you need in order to keep your business safe and protected.

Any Pomona, CA business with employees needs to have in place workers’ compensation, a form of commercial insurance protection. Workers’ compensation provides your employees with financial resources should a job-related illness or injury cause them to miss days on the job. It is important to note that in the State of California, employers are required to have workers’ compensation insurance in place, even if you have only one employee.

Commercial auto insurance is another important type of commercial insurance that you need if a vehicle is used in your business. Accidents that may occur during the course of the workday involving you or one of your employees and a company vehicle will fall under this type of coverage.

If you need new commercial insurance coverage or want a review of your existing policies to see if they provide you with sufficient protection, you need to contact agents working with THINK Insurance & Financial Services. Let these licensed professionals assist you in determining what is appropriate for your business in commercial insurance and ensure that you have the right level of coverage.

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