While health insurance is not required by law in California, it’s highly recommended to maintain health insurance for your own well-being, along with preventative care.

Finding the best healthcare plan for you and your family takes careful consideration and thoughtfulness. The team at THINK Insurance & Financial Services serves the Pomona, CA area and we’re here to help inform you of the options available in California. 

We often hear people say they don’t need to have a primary care doctor because they’re in perfect health. While this may seem like a good idea, seeing a primary physician once a year is essential to remain in good health and to be aware of any issues that may arise around your health. 

Your primary care doctor can perform a routine physical exam, ask you questions about your habits and overall health, and even order bloodwork to resolve any issues you may be having. Even something small can escalate into something much more serious if you don’t stay on top of your health. 

So, whether you’re in good health or not, seeing a doctor at least once a year is the best way to maintain and improve your health. The same goes for other family members. 

If you feel overwhelmed by the numerous healthcare plan options available, we understand. Whether it’s just you on your policy or you’re covering several family members, including children, it can be daunting trying to select the right plan. That’s why the agents at THINK Insurance & Financial Services are here to help. 

Our team can do the heavy lifting for you, assess your family’s situation, and make recommendations based on your lifestyle and needs. We’re here to help residents in the Pomona, CA area any way we can. Contact us today!

Though many people don’t like to think about the possibility of dying, the truth is that everyone is going to at some point. You may want to consider getting life insurance at some point, though the sooner you do, the better off you will be. 

So, why do you need life insurance? Here are some reasons why. 

If someone relies on your income, you need to protect them. If you support your family, you aren’t going to want to leave them in the dust when you pass. A good policy will ensure that they will have some money to support themselves while they find a way to get their life back together. 

You may even need life insurance if you are supporting your parents or other loved ones. If you are a caregiver, they are going to need to find someone else to take care of them. Even if you just financially help your parents, they will still need some money after you are gone. 

If you have a business that you run, you are going to want insurance to protect your family. If your business will not be able to survive without you, you are going to want to make sure that your life insurance policy will help your family to get through this difficult time. 

Though you may not think that you need life insurance, the truth is, if there is anyone that relies on your income, you need to have some. Otherwise, your family won’t have the money to get their lives back in order. You also should have some if you run a business. 

If you want to make sure that your family will be fine without you, contact us today at THINK Insurance & Financial Services in Pomona, CA. 

Businesses in California are required to have certain commercial insurance policies that protect the business as well as its employees and other people. If your California business doesn’t have the right types of commercial insurance, it could face a lot of financial problems. If you need commercial insurance for your business, contact us at THINK Insurance & Financial Services in Pomona, CA to find out more. 

Workers’ Compensation

This mainstay of businesses is required of all California businesses that have any number of employees. This includes employees who are part-time as well as full-time. This insurance coverage pays for the medical bills and lost wages that can be due to an employee after they have an injury while at work. Workplace injuries can be highly expensive for employers, so it’s important to have this coverage in place to protect the finances of the business. 

Commercial Auto Coverage

If a business in California owns a vehicle, that vehicle must be covered by a commercial auto policy. There are a few set minimum amounts for these policies, but they are extremely low when compared to other states. It’s a good idea to get more than the mandated minimums amounts. These amounts include a small amount for property damage liability to pay for someone else’s property if your driver causes an accident. In addition, there is a set minimum amount required for bodily injury liability for when one person has been injured in an accident caused by your driver. There is a higher amount required for all of the people who become injured in an accident that your driver causes. You can also add other coverage types, such as comprehensive coverage, to your policy to better protect your business. 

Get Your Business Covered

To get your business covered by the appropriate commercial insurance, contact us at THINK Insurance & Financial Services in Pomona, CA.

When you are in the market for health insurance, it can be confusing. There are many different plans from a number of different carriers, but talking to an insurance agent can help you to understand the choices better. The healthcare benefits included in a health insurance policy depends a lot on your budget, the type of risk that you present and the type of insurance that you want. If you need health insurance, give us a call at THINK Insurance & Financial Services in Pomona, CA.

Catastrophic Insurance

This type of health insurance is often the most affordable. It gives the policyholder a discount on in-network medical services but has a high deductible. With this health coverage, you often never meet the deductible unless there is a major health incident, hence the name. If a catastrophic expense pushes you over the deductible, the insurance begins to pay for the medical services after that amount. This is often chosen by those who are self-employed so that they have coverage in case of a major incident. 

Employer-Based Health Insurance

If you are an employer who is looking for a health plan for your employees, these plans generally come with a lower deductible. Employees usually pay for a portion of the premiums, though some employers do pay for 100% of the cost of this insurance. There are many types of plans that you can choose for employees, and the cost generally depends on the number of employees, the policy that you choose and the amount of risk that each employee has. 

Get Health Insurance Coverage

If you need health insurance, don’t wait. Every day that passes presents more risk of a sickness or injury. When you want to get started, call us today at THINK Insurance & Financial Services in Pomona, CA to speak to an insurance agent about your insurance needs. 

THINK Insurance & Financial Services serves the Pomona, CA community. We are an independent agency. We strive to help our clients find the coverage they need to protect their assets. We work with multiple carriers throughout the West Coast. This allows us to offer our clients flexible policies designed to meet their needs over time.

Health Insurance Myths

Living a healthy lifestyle allows you to minimize stress. However, sometimes you just aren’t feeling well. During these times, it’s important to have health insurance. Health insurance covers you if you need urgent care. Any emergency medical treatment is covered. Health insurance also covers your preventative care, such as yearly checkups and exams. You are also covered if your doctor prescribes medication to help you feel better. Health insurance also covers your rehabilitation after a serious injury. While you are researching coverage, avoid these common health insurance myths.

Young People Don’t Need Coverage

This is one of the biggest misconceptions regarding health insurance. Health insurance is an asset regardless of how old you are. Anyone can get sick at any time. It’s important to have yearly checkups so that you will be aware of potential issues before they get worse.

I Don’t Need A Policy Because Of Group Coverage

If you have coverage through your Pomona, CA employer’s group policy, simply relying on that policy is a mistake. Having your own individual policy provides you with more options. You can customize your individual policy to align with your needs.

Health Coverage Starts Immediately

Be aware that you will have a waiting period before your health insurance coverage kicks in. Generally, the waiting period is between 1-2 months.

THINK Insurance & Financial Services Will Help You Protect Your Assets

Visit our website to learn more information about health insurance.

THINK Insurance & Financial Services is an independent agency. We work closely with multiple carriers throughout California. We help Pomona, CA residents find the coverage they need to protect their assets. We offer flexible policies designed to evolve as our client’s needs change.

Overlooked Renters Insurance Facts

The Pomona, CA community is home to several areas of appealing apartment complexes. If you plan to move into one of these rental properties, you’ll need renters insurance. Renters insurance protects your personal items if they are damaged or stolen. Liability coverage is an important part of your policy. You are covered if you invite a guest over, and they suffer an injury. You are also protected if you accidentally cause damage to someone’s property. While you are in the process of finding coverage, pay attention to these often overlooked facts.

Your Coverage Is Separate From Your Landlord’s

Many people make the mistake of relying on their landlord’s coverage to protect them in any situation. You need your own renter’s insurance policy to cover you if your belongings are damaged.

Interior Coverage

Renters insurance also covers any interior damage to the unit. If the unit is severely damaged, you can add alternative living coverage. This gives you a safety net if you have to find another place to stay until your rental unit is fixed.

Extra Coverage

If you live in an area where an earthquake may happen, you’ll need to add extra coverage. Generally, renters insurance doesn’t cover damage caused by natural disasters. Consider adding flood coverage as well, so you will be covered if a severe storm passes through the area.

THINK Insurance & Financial Services Will Help You Protect Your Assets

Visit our website to learn more information about renters insurance.  

Let’s face it. Insurance is never a straightforward topic. With many insurance coverages, it’s easy to get lost in the insurance world. Speaking of insurance, condo insurance is one of the most widely misunderstood insurance coverages. As such, THINK Insurance & Financial Services is here to shed more light on condo insurance, including how it benefits you.

Why should I invest in condo insurance?

If you own a condo in Pomona, CA, you may want to understand whether condo insurance is worth your pennies. After all, you already have a condo owner’s association (COA) master policy. While it’s true you have a COA policy, this coverage only covers common areas like the lobby and swimming pool. However, for your dwelling’s interior, you need stand-alone condo insurance to reap the below advantages:

Liability protection

Suppose you invite a friend to your birthday party. Unfortunately, they slip while on your premises, injuring their back. While the accident was unintentional, you could be liable for their medical expenses. Worse yet, they could sue you for negligence.

Since liability claims can be costly, you need condo insurance to protect you from third parties’ property damage and personal injury claims.

Loss of use protection

Assume that a covered loss like a hurricane destroys your condo. What would you do as your home undergoes repairs? Instead of calling friends and relatives for temporal shelter, condo insurance puts you in a hotel and covers additional living expenses

Asset protection

Condo insurance protects your assets, including clothing, furniture, and electronics, from damage or loss. If you value your possessions, condo insurance should be your priority. Besides, condo insurance protects your dwelling’s interior, including the walls, roofs, carpets, and fixed appliances.

Buy condo insurance today!

Are you shopping for condo insurance in Pomona, CA? You can trust THINK Insurance & Financial Services for all your condo insurance needs. Please get in touch with us today to get the conversation started.

When you are thinking about getting life insurance, there are many differences between the different types. Whole life is one kind of life insurance, and it works a bit differently from other types of policies. If you want to know more about whole life insurance, give us a call today at THINK Insurance & Financial Services in Pomona, CA to talk to an agent. 

Your Whole Life

Whole life insurance is called this because you can keep it for your whole life. While term life insurance is good for one specific set of time, whole life insurance never expires and stays in place for as long as you pay your premiums. If you are paying them, not even the insurance company can cancel the policy. Many people are given peace of mind in knowing that it will always be there. 

The Cash Value

Another way that whole life works differently is that it builds up a cash value. Over the years, as you keep paying your premiums, a portion of that will become available to you to borrow against. The cash value of the policy can take years to build up, but many people like knowing that it’s there just in case they ever have a serious financial emergency. 

The Death Benefit

When the insured person dies, this insurance type pays a death benefit to the designated beneficiaries. If the insured had borrowed against some of the cash value of the policy, that much will be deducted from the death benefit when it’s time to pay it out. 

Get Whole Life Insurance

If you like the idea of a policy that builds cash value, can be borrowed against and is there for your whole life, call us at THINK Insurance & Financial Services in Pomona, CA to talk about a whole life policy.