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Tom Meaglia, ChFC®, AEP®, CLU®, MSFS

Chartered Financial Consultant

Investment Advisor Representative

CA Insurance Lic. #0567507

 

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

 

Toll Free: 800-386-3700

Bus:         909-593-6105

Cell:         818-681-8600

Fax:         909-593-6120

 

Email: tom@meagliafinancialconsulting.com

Website: www.meagliafinancialconsulting.com

January/February 2022

Insurance Front: Are You Covered?

Insurance Front Are You Covered

Having adequate insurance coverage to protect yourself and your family from financial loss should be part of a comprehensive financial plan. Five types of insurance that everyone should consider are described below.


Automobile Insurance
Auto insurance covers the cost of vehicle repair, property damage and medical expenses if you’re involved in an accident. Most states require you to carry auto insurance if you own a car. Policies generally have three components. Liability covers injuries and property damage. Collision covers the cost of repairing or replacing a vehicle that has been damaged or destroyed in an accident. Comprehensive covers theft or damage to a vehicle from vandalism, fire, hail, floods and similar events.


Homeowners/ Renters Insurance
A homeowners policy pays to repair or rebuild your home if it’s damaged or destroyed. Homeowners and renters policies also cover items inside the home that have been damaged or stolen.


Health Insurance
The high cost of medical care makes having health insurance a necessity for your entire family. It can help pay for routine care, lab work, diagnostic tests and major medical expenses. Some plans cover prescription drugs.


Long-term Disability Insurance
Long-term disability insurance replaces part of your income if you become disabled and are unable to work for an extended period of time.


Life Insurance
Would your family be able to maintain its current standard of living if you were to die unexpectedly? Proceeds from a life insurance policy* can help replace income, pay funeral costs or fund a child’s college education.


If you’re looking for protection that exceeds the limits of your auto or homeowners policy, purchasing an umbrella policy may bring you peace of mind. Your insurance agent can help you choose coverage that meets your needs.


*Applications for life insurance are subject to underwriting. No insurance coverage exists unless a policy is issued and the required premium to put it in force is paid. Accessing cash values may result in surrender fees and charges and may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Guarantees are based on the claims-paying ability of the issuer.


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Investment advisory services are offered through Fusion Capital Management, an SEC Registered Investment Advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the commission and does not mean that the advisor has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss.
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