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1 month ago · by · Comments Off on Why Life Insurance for my child?

Why Life Insurance for my child?

Not a moment goes by when parents aren’t worrying about their children.  Is he the appropriate height and weight for his age? Does she get along with other kids?  Will they ever eat their vegetables?

While we don’t have the answers to those questions, we do have answers to all of your life insurance questions. Check out the common concerns we hear from parents like you, and how a children’s whole life insurance policy can help ease your mind.

Parent Concern #1: My child won’t qualify for life insurance as an adult.

Adults with health issues can often be denied life insurance coverage. That’s why it’s a good idea to purchase a whole life policy for your child while he or she is young. If your child develops a medical condition or poor health later, your child won’t lose the coverage obtained as a kid. It’s a great way to ensure a lifetime of financial security for your child, who will definitely thank you for that later.

Parent Concern #2: My child won’t be able to afford life insurance as an adult.

Life insurance premiums are the amount of money you pay each month for your insurance policy. They’re based on your child’s age and health when you apply. So what better time to buy whole life insurance than when your child is young and healthy? Lock in affordable rates now, and then your child can keep the policy as an adult with the exact same monthly payment. Or we can set you up with a policy that you pay within a number of years and continues to pay itself long after you stop paying the premiums.

Parent Concern #3: How can I help my child financially in the future?

Here’s an important benefit of whole life insurance that every parent should know:  This kind of policy builds “cash value” over time. This is money that’s set aside with each monthly premium payment made. The longer you own the policy, the more cash value the policy accumulates. It’s like a small nest egg for the future.

Should you encounter any financial difficulties while your child is growing up, it’s good to know that you can borrow against the policy’s available cash value as long as all premiums are paid.  The option to borrow against your cash value is always there for you, in case of an emergency.

Parent Concern #4: Life is uncertain

Life is unpredictable. Children’s whole life insurance provides greater peace of mind, knowing that you’ll have financial protection should the unthinkable occur.

Children’s whole life insurance policy can be a valuable safeguard for you and your child. To learn more about the benefits of child life insurance or finding a policy that’s right for you, click here, or call us at (209)207-0577.

© 2017 Domingo Ramos
 Total Client Satisfaction Insurance Brokers
 894 W. 11th. St. | Tracy, CA 95376
 Questions? Call (209) 207-0577 or (866) 968-8393

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4 months ago · by · Comments Off on Mapfre Insurance Preferred Agency in Tracy, Merced & Redwood City

Mapfre Insurance Preferred Agency in Tracy, Merced & Redwood City

TCS Insurance Brokers has been selected as a preferred partner by MAPFRE Insurance!

Mapfre continues to offer the most unique coverages and options in the industry, but in order to continue the positive momentum Mapfre decided to select only the top agencies in California to offer it’s products.

As a Mapfre Insurance Preferred Agency in Tracy, Redwood City & Merced, we can offer you the entire host of Mapfre Products! Auto, Home, Life, Umbrella & Commercial. With industry unique coverages such as:

  • Uber & Lyft Driver Coverage – Auto*
  • $50,000 Medical Payments (no other auto insurance carrier can match this!) – Auto*
  • 100 Mile Towing – Auto*
  • New Driver Discounts – Auto*
  • $0 Deductible Glass Coverage – Auto*
  • 100% Building Code Coverage – Home*
  • New Home Discount – Home*
  • Highest Auto Home Discount!
  • New Venture Commercial Coverage
  • Preferred Coverage & Preferred Rates to California Superior Drivers, Home Owners & Business Owners!

Coverage options that are far better than Farmers, Statefarm, Allstate, AAA, Nationwide, Liberty, Safeco, Metlife, Hartford & Travelers.

Who is MAPFRE Insurance?

Who we are

MAPFRE Insurance is a forward thinking insurance company offering friendly service from over 2,000 professionals focused on taking care of you and your family.

Global Presence

MAPFRE Across the Globe – MAPFRE S.A.

Is a multinational group present in 49 countries with more than 38,000 employees

  • Is the number one non-life insurer in Latin America, and one of the top 20 reinsurers in the world
  • Insures over 13.2 million cars and over 5 million homes

Local Focus

MAPFRE in the United States

  • Offers a wide range of insurance solutions for the home, vehicle, life and travel
  • Is the 21st largest Property-Casualty Insurer
  • Is the 19th largest private passenger auto insurer
  • Has a network of more than 4,600 independent agents and brokers
  • Has a presence in 19 states
  • Rated “A” (Excellent) by A.M. Best

Mapfre Claims:

 

 

 

 

Our Team

Together along side other reputable insurance carriers, our team is able to provide you unsurpassed service and choice with all your insurance needs. Call or email us today!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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2 years ago · by · Comments Off on Home Insurance at $300 per year in Tracy, Mountain House, River Islands Lathrop, Manteca & Modesto

Home Insurance at $300 per year in Tracy, Mountain House, River Islands Lathrop, Manteca & Modesto

Tired of Paying So Much for your Homeowners Insurance?

We can help! We work with top rated insurance carriers that want to insure your Central Valley Home. Companies like MetLife, Travelers, American Modern, Pacific Specialty, Mapfre, Safeco, Hartford,  Golden Bear and Fidelity/Stillwater are looking to offer you the lowest rates available. Work with us and we will beat the current Home Insurance rate that you are currently paying! (of course without lowering or removing any coverage)

TCS Insurance Brokers works for YOU!

As a full service independent insurance agency providing Insurance Services in California. We work for YOU! We partner with a selected group of financially sound, reputable insurance carriers to give you the best service, coverage and pricing available. Call us at (209) 207-0577 & find out why we are named Total Client Satisfaction Insurance Brokers!

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