Agent Offers Tips on Buying Permanent Life Insurance for Roseville, CA Residents

Roseville, California (January 30, 2013) - New York Life Insurance agent David A. Williamson is offering tips and professional advice for first-time buyers of permanent life insurance in Roseville, CA.

Roseville, CA (prHWY.com) March 4, 2013 - Roseville, California (January 30, 2013) - New York Life Insurance agent David A. Williamson is offering tips and professional advice for first-time buyers of permanent life insurance in Roseville, CA. He provides these to arm prospective buyers with more knowledge as well as to help them make an informed decision more easily.

The first tip he shares on an article posted on his website is that the buyer should understand why they and their family would need financial protection. Typically, life insurance is needed to sustain families upon the death of a spouse or parent. In the event death protection is no longer needed a policy owner can also access the cash value that builds up within a policy via policy loans. The cash value can be used for expenses such as mortgage payments, to help fund a college education or supplement retirement. Keep in mind that Loans against your policy accrue interest and decrease the death benefit and cash value by the amount of the outstanding loan and interest.

The second piece of advice is to determine the amount of coverage one would need. This can be determined by calculating how much a family would need to address all of their major financial responsibilities in case the breadwinner passes away too soon.

In addition, Williamson advises buyers on the type of policy they would be getting. In most cases, this should be able to answer the first two points mentioned. He also wants his potential clients to look into the quality of the company from which they would be getting their plan.

To help families decide, he recommends that they employ a professional and licensed insurance agent. These specialists can provide additional information, and, at the same time, update policy holders with their plans, when necessary.

Finally, the article recommends that families should learn more about the proper way of saving, how money works, and other related topics by reading pertinent literature and asking their trusted financial professionals and agents.

To learn more about financial strategies, visit www.DaveWilliamson.net.

About David A. Williamson

David A. Williamson (CA Ins Lic #0G56679), is a professional agent of the New York Life Insurance Company, whichfor more than 165 years, has offered insurance and financial products for individuals, families, and businesses. He offers insurance in Folsom, CA and other areas in California.He is also a Registered Representative with NYLIFE Securities LLC, member FINRA/SIPC, A Licensed Insurance Agency, which offers insurance and investment products1 in Roseville, CA, Sacramento, Placerville, Folsom, and other areas of California within a 150-mile radius of El Dorado Hills. Hisoffice is located at 2999 Douglas Blvd, Suite 350, Roseville, CA 95661.

1 Securities offered through NYLIFE Securities LLC.


Neither New York Life nor its agents provide tax, legal or accounting advice.

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Tag Words: life insurance

Categories: Business

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