A conversation built around your family
Consider the income your household relies on, outstanding debts, education goals and existing coverage. Bring your current policies and questions so the conversation starts with what you already have.
Understand the choices
Term life and permanent life insurance serve different needs. Ask about coverage duration, premium requirements, policy charges, guarantees and what could cause a policy to lapse. Riders and living benefits depend on the specific policy.
Prepare for your first conversation
Think about whom you want to care for, how long support may be needed, and a monthly budget you could maintain. Judy Karen connects individuals and families in Chino and the Inland Empire with education and insurance conversations.
Questions worth asking
Can I compare term and permanent coverage?
Yes. Ask about both the immediate cost and long-term requirements, including any guarantees and limitations.
Are living benefits included in every policy?
No. Available riders, qualifying conditions, costs and effects on policy values vary. Review the actual policy and rider terms.
Insurance availability depends on licensing, carrier approval, underwriting and policy terms. No coverage or premium is guaranteed by this page.
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