182: Best Time To Lock In Long Term Life Insurance

In this episode, we will talk about the best time to lock in long term life insurance.

My dad worked for Union. He had some pensions with Union. Thank God! But he died of cancer.

My mom never worked. And is that a scenario where Life Insurance would have been beneficial or at that age is it more difficult to get that those types of insurance policies?

Or they cost prohibit it because it caught up my mom in a bad position because she has Social Security and a small pension.

Thankfully, there was at least that small pension that passed on to her. But had there been insurance policy to boot?

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181: Importance Of Changing Beneficiaries After Divorce

In this episode, we will talk about importance of changing beneficiaries after divorce in California.

I don’t know if we touched on the importance of changing beneficiaries after the Divorce has finalized because we’ve all heard the whole stories not only with health life insurance.

I’m sure that if you’re Divorce that wasn’t the intention. Because the important thing to know is, when it comes to you and let me know if this is correct or not.

When it comes to your Divorce judgment your Divorce Decree if you will, if you said, you’re keeping your life insurance policy or these investments, and you die and you haven’t changed your beneficiaries, that beneficiaries will over-way the ruling of the court.

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180: Beneficiary Options For Children During Divorce

In this episode, we will talk about beneficiary options for children during divorce in California.

As it pertains to Life Insurance and with having young children and making them the beneficiaries, going through a Divorce, what are some of the options folks have?

Can they assign other beneficiaries or how does that work and how does that ultimately get transferred?

changing beneficiaries for some is very easy. And it’s usually one page form. You say, ‘Now I want my brother to be the beneficiary.’ and you sign it.

It’s that simple.

So what we usually encourage people to do is that they’re not going to go down the road of some sort of trust, is to name a family member an adult family member who’d be the one that they would expect to handle their affairs when something happened to them.

And so that maybe, I mean it’s still be a parent depending on how old you are. It maybe a brother or sister or somebody or an extremely close friend but that’s your choice to make.

And the changing it like I said is very simple.

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179: Life, Home, Auto & Business Insurance In Santa Clarita

In this episode, we will discuss life, home, auto and business insurance in Santa Clarita.

We have Jon Gardner of JSG Insurance and they handle home, life and all business types of insurance too.

They work with a lot of small business and medium business insurance.

In terms from an insurance standpoint it’s certainly something they can help you with.

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178: Santa Clarita Insurance Service Jon Gardner JSG Insurance

In this episode, we will discuss Santa Clarita insurance service with Jon Gardner JSG Insurance.

Today, we’re talking about Insurance and Divorce and the various issues that need to be address when going through Divorce in California and insurance issues you should look at.

We’re going to be talking about topics on Auto, Home and Life.

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177: importance of changing auto insurance after divorce

In this episode, we will talk about the importance of changing auto insurance after divorce in California.

Let’s get into Auto Insurance and Divorce. Let me pull out the slide here.

Auto Insurance and Divorce. So what we want to talk about is when you go to Divorce in California you’re going to become single.

Now whether you were the person who took care of the bills or the spouse maybe a stay at home mom and didn’t deal with the bills or the finances, this might be all new to you.

So we want to explain to you the different things that you should be looking at different issues as it pertains to Auto Home and Life Insurance.

So we’re going to talk about those all individually.

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176: Liability Of Registered Owners Of Vehicles During Divorce

In this episode, we will talk about liability of registered owners of vehicles during divorce.

So one of the things that I would always recommend to somebody is once you’ve decide who’s going to take what vehicle is that you’re going to re-register them in your own names.

And that helps take the other person off. That’s one thing to think about.

So on top of just insurance related, if you’re going because that is a part of Divorce of course, it’s dividing up your assets and debts.

And most of the time married couples keep vehicles on both names.

And it gets if that vehicle is going to be confirmed to one of you, so, when you do that what we are saying is to re-register your name alone.

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175: Divorce A Good Time To Revisit Auto Insurance

In this episode, we will talk about if divorce is a good time to revisit auto insurance or not.

When you go through a Divorce, most likely, you haven’t looked at your coverage for a few years.

And the coverage really should match the assets you have.

So if you know you have a million dollars with your assets, you should probably have the million dollars with the liability to protect that.

So as you separate and then your assets makes many change in a certain area. So there were many changes.

So it’s a good time to revisit.

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174: Should You Change Insurance Companies After Divorce

In this episode, we will talk about if you should change insurance companies after divorce in California.

It depends on how well you know your Insurance Agent or Broker or the Insurance Company that you are with because a lot of times what will happen is, since your house hold together that when it gets split apart, not everything within the insurance companies is always going to be picked up correctly.

So as a result, you still may have some of your personal stuff going to your ex-spouse. I had dealt with this with Divorce couples where they are very adamant.

I don’t want anything about me going to him or anything about me going to her. And so one thing to consider is that if you’re going to that process is maybe taking it to a different carrier or maybe just to a different Broker if you want to stay with the same carrier just to eliminate the chances of that information being found.

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173: Homeowners Insurance Issues During Divorce

In this episode, we will talk about homeowners insurance issues during divorce in California.

When we say Homeowners Insurance we’re only talking about people who own homes and people who might own condos or who might actually rent an apartment or home or any house.

So it kind of encompasses all that. The big difference is from an insurance standpoint you’ve been paying most likely for one home or one residence where you live.

Well and all like we said, as you split up you’re going to need to pay for two. So again there’s a cost issue here which brings up the idea of ‘it’s time to take a look.’

You might have been in a home before. And now you’re going to rent a location.

What that impacts insurance as well, is companies almost all companies gives discounts when you have your home, car with or your home and rental with them.

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