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6 months 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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1 year ago · by · Comments Off on Quinceañera Fund

Quinceañera Fund

If you have a daughter or know of someone that has a daughter, it is very likely that there will be a Quinceañera (15) or Sweet 16 celebration for that sweet child. Cost can become astronomical for a custom celebration but getting there doesn’t have to be such a hassle. I can show you how to start putting money away into a Whole Life policy that pays you back and when the times comes you can take out Cash without paying taxes!

Let’s think beyond the celebration and into retirement. What if you could guaranteed your child’s retirement income? With as little as $40 a month for only a limited amount of years, you can do that! The soon the better.

Benefits: Tax Free Cash Accumulation, Guaranteed Insurability & a Benefit to loved ones for the unexpected. – With Dividend Paying life insurance you can finance your own future without the risk that the stock market brings!

Life & Retirement Products Offered: Whole Life, Term Life, Annuity, IRA, 401K Roll Overs & Long Term Care Insurance

Call or email me to set up a free consultation at your convenience.

-Domingo Ramos

Insurance carriers we currently represent:

contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

© 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

Read more

2 years ago · by · Comments Off on 4 Reasons to choose us!

4 Reasons to choose us!

All too often we hear other insurance agencies say that their clients only buy on price & that their client’s don’tOnline Insurance Quotes - TCS Insurance Brokers - (209) 207-0577 (866) 968-8393care about value let alone coverage. – Here at TCS Insurance Brokers we don’t believe that one bit! We know that by providing real advise and by building a good relationship with our clients we have a winning combination. When our clients listen to our advise they pick the rigth carrier and coverage for their unique need. Beyond the great advise we provide we are there when it is time to submit a claim. Our great service and knowledge is what sets us apart from the rest.

Below are four reasons Bay Area & Tracy consumers choose us!

4 Reasons that make us the best!

  1. Ease of Use– When you work with us you do not need to go shopping around. One simple call, email or even a text and we are off to find you exactly what you need without compromising coverage or quality.
  2. Save Time & Money – “Time is Money!” That’s why buying a policy from us is easy and will not be a long, drawn out ordeal. We quote and bind coverage the same day and most of the time within minutes!
  3. Peace of Mind – Our sound advise and the quality carriers we represent help our clients sleep better at night. Our clients know that if something happens we have them covered.
  4. We Grow with You – Here at TCS Insurance Brokers we have insurance programs tailored to fit everyone in our community. From the first time driver, to the homeowner, to the business owner and to the retiring couple looking for financial vehicles to extend their retirement income. We Can & We Do, Do It All!

contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

© 2016 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

Read more