Sternberger Financial &
Insurance Services

tel 415.609.1912
fax 415.256.9034

CA Insurance Licence # 0704630

FAQ's

(1) Do you sell auto, worker compensation or any liability coverage?
(2) I was diagnosed recently by a doctor with a medical problem. Will my insurance cover this?
(3) When should I start planning for retirement?
(4) How much life insurance do I need?
(5) What is disability insurance?
(6) Are there any affordable health insurance options?

ANSWERS:

(1) No, I do insurance products that insure people and financial products for medium to long term financial goals.
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(2) Each medical situation is best handled on a case by case basis. It is best to call your insurance company, let them know the situation and get their advice. You want to confirm the proper procedures to follow and whether a service is covered, may be or is not. Try to remember to write down the person's name that you talk to at the insurance company.  If is not an immediate emergency or you just want to talk with me first, please call me with confidence!
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(3) Yesterday!
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(4) One simple way to give yourself an idea is to ask this question. If I die tonight, how many years of my annual income should I leave my loved ones? To answer this question, think about years of annual income and years of financial security to give those you care about a better chance at success?
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(5) It can pay you an income, when an injury or sickness prevents you from working.  This can prevent your savings from being wiped out! It also protects your freedom and dignity
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(6) Yes, there are more affordable plans. Health insurance can be very expensive. If you want the insurance company to help with from the first dollars in medical bills, you will have to pay more. However, if you pay some of your own medical bills and let the health insurance begin after the first $1,000, $2,000 or even $3,000 of medical bills (higher deductibles). You will have the opportunity to get a plan with lower premiums.
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