Is Long Term Care Insurance Worth It?

Long term care insurance: The facts. There’s no doubt about it: Americans are living longer. As the population gets older, healthcare costs are growing as demand for medical care increases. Even if you believe you’re invincible, there may come a point in your life when you need ongoing medical attention. If you have a disability or an extended illness, then nursing homes, assisted living facilities, and in-home care may become necessary expenses. Generally, they are not covered by health … [Read more...]

Why People Put Off Buying Life Insurance (and Why They Shouldn’t!)

Common reasons people don’t buy life coverage. It’s not uncommon for families to put off buying life insurance. The excuses that come up are usually the same. Purchasing life insurance may not seem like a priority but accidents can happen when you least expect them. When you put off buying life insurance, your family members are the ones who are at risk. Take a look at the most common reasons people put off buying life insurance and why they shouldn’t. “I’m healthy, I’m not going to die … [Read more...]

What Are The Advantages of Permanent Life Insurance?

Understand why it’s a good idea to take out permanent life insurance.   Most of us understand that we need life insurance coverage of some form. While many take out term life insurance, which is temporary life coverage, whole life (or permanent) insurance coverage is overlooked. Permanent life insurance is not an insurance product that can be taken lightly, although it can be highly beneficial for many of us. Here are just a few of the advantages of permanent life insurance. It remains … [Read more...]

3 Big Life Insurance Blunders to Avoid

Avoid making these common life insurance mistakes. Life insurance is designed to provide a financial safety net for families. It sounds simple, but decisions over whether and how much to buy can get complicated. Life insurance mistakes can be costly – and hurt your family when you are gone. When you’re shopping for coverage, take note of these common mistakes so you know what to avoid. Mistake No. 1: Buying too much or too little insurance. Not everyone needs life insurance. Some … [Read more...]

What are the Responsibilities of a Life Insurance Policyholder?

Are you aware of your responsibilities as a policyholder? For most people, insurance is something they buy and then forget about. When it comes to life insurance, extra care and TLC is required. After all, you need to make sure your policy keeps up with you throughout the years. You may already review your coverage once a year, but here are some duties that you may not have realized you are responsible for as a life insurance policyholder. Know who your life insurance company is. It … [Read more...]

What is the Best Age to Get Life Insurance?

Life insurance coverage for all ages.   Life insurance is a valuable coverage for most people, yet it’s an insurance policy that people don’t often think about until they’re married and have kids. What many people don’t realize is that life insurance is age-banded, meaning that as each year passes, a policy gets more expensive. So, what is the right age to get life insurance? Quite simply, the right time to buy life insurance is the time at which it would benefit you. For many people, life … [Read more...]

The Cost of Skipping Out on Life Insurance

Opted to go without life insurance? It could end up costing you. Life insurance is an insurance policy that almost everyone needs, but many people forget about. If you’re married or have children, securing life insurance is a must. Many people go without coverage because of the misconception that it costs too much every month. The reality is that not having life insurance can potentially come with a much higher price tag. Short-Term Impact Life insurance is designed to be a financial … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

(925) 945-6161 | Phone
(925) 256-7610 | Fax