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Contact the Garcia Insurance Team for all Life Insurance, Medicare, and or Retirement questions!
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Frequently Asked Questions
Common Questions Answered for your convenience.
How much life insurance do I need?
The amount of life insurance you need depends on your individual circumstances, such as your income, debts, and family responsibilities.
When should I start saving for retirement?
The earlier you start saving for retirement, the better. Even small contributions can grow significantly over time due to compound interest.
When should I sign up for Medicare?
You can sign up for Medicare three months before your 65th birthday. If you miss this initial enrollment period, you may face late enrollment penalties.
How much should I save for retirement?
A common rule of thumb is to aim to save 10-15% of your income for retirement. However, the exact amount will depend on your desired lifestyle and other factors.
What factors should I consider when choosing a health insurance plan?
When choosing a health insurance plan, consider factors such as your budget, your health needs, your preferred doctors and hospitals, and the types of coverage you need
What is the difference between term life insurance and whole life insurance?
-Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years.
-Whole life insurance provides coverage for your entire life, and builds cash value over time.