SEG Insurance Service

SEG Insurance Service Insurance made easier, more options, peace of mind, Helping to eliminate the burden off those you lov

Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you ar...
05/27/2021

Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only forty-three percent of large companies provide group long term disability insurance.

The face value of a life insurance policy is the death benefit the policy will pay. If you take out a $100,000 life insu...
05/26/2021

The face value of a life insurance policy is the death benefit the policy will pay. If you take out a $100,000 life insurance policy, $100,000 is the face value. That value can change over time as you borrow from the policy or increase the amount of coverage you have. Face value is not the same as cash value, which is the excess premiums you’ve paid plus interest earned, which accumulates in the policy’s cash value account.

Term life insurance guarantees payment of a stated death benefit if the policyholder dies within the stated term period....
05/25/2021

Term life insurance guarantees payment of a stated death benefit if the policyholder dies within the stated term period. Term periods may last anywhere from a year to 30 years. Importantly, term life insurance policies do not possess monetary or savings value unless the holder dies within the term. However, term life insurance may be less costly than other life insurance options, such as whole life insurance.

A Joint First-To-Die Policy is a life insurance policy that provides coverage for two people and makes payment to the su...
05/24/2021

A Joint First-To-Die Policy is a life insurance policy that provides coverage for two people and makes payment to the survivor as soon as the first person dies. This policy is often used to cover estate tax expenses.

Happiness lies in the joy of achievement and the thrill of creative effort. Franklin D. Roosevelt
05/21/2021

Happiness lies in the joy of achievement and the thrill of creative effort. Franklin D. Roosevelt

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance pr...
05/20/2021

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

A pre-tax retirement account is an account for which you do not pay taxes on your contributions or earnings until you be...
05/19/2021

A pre-tax retirement account is an account for which you do not pay taxes on your contributions or earnings until you begin withdrawing from them. For many, the benefit of this type of account is that contributions made up to the IRS-declared annual contribution limit are exempt from federal income tax for that year.

The ability to borrow money is one of the biggest differences between term life and permanent life insurance. Only perma...
05/17/2021

The ability to borrow money is one of the biggest differences between term life and permanent life insurance. Only permanent insurance allows the policy holder to take out a loan against the cash value built up in the policy. Policy holders are required to repay this loan including interest, and any outstanding balances owed at the time of death will be deducted from the death benefit.

One today is worth two tomorrows. Benjamin Franklin
05/14/2021

One today is worth two tomorrows. Benjamin Franklin

Buying a home is a major financial commitment. Depending on the loan you choose, you might commit yourself to 30 years o...
05/13/2021

Buying a home is a major financial commitment. Depending on the loan you choose, you might commit yourself to 30 years of payments. But what will happen to your home if you suddenly die or become too disabled to work? Mortgage protection insurance can help your family cover your mortgage under certain circumstances – you can avoid foreclosure if you can no longer work to pay your mortgage. Let’s take a closer look at what MPI is, what it covers and who might need a policy.

Permanent policies generally have a higher initial premium than term policies, because a portion of the premiums goes to...
05/12/2021

Permanent policies generally have a higher initial premium than term policies, because a portion of the premiums goes toward building cash value. But both term and permanent policy costs are generally based on 3 factors: Mortality, Expenses, & Riders.

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724 Wall Street
Livermore, CA
94550

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+19253374411

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