service

LIFE iNSURANCE

service

LIFE iNSURANCE

Protecting Your Family’s Financial Future

Life insurance is a contract between you and an insurance provider designed to give your loved ones financial security if something happens to you. In exchange for regular premium payments, the insurer pays a death benefit to your chosen beneficiaries, helping cover everyday expenses, debts, or future costs like college tuition.

There are two main types of life insurance to consider. Term life insurance provides coverage for a set period, such as 10, 20, or 30 years, and is typically more affordable, making it a popular choice for covering a specific need like a mortgage or a child's upbringing. Whole life insurance covers you for your entire life and includes a cash value component that grows over time.

Finding the Right Life Insurance Coverage

The right amount and type of coverage depends on your income, debts, and the people who rely on you financially. A good starting point is to think about how many years your family would need support if your income stopped, and whether you want coverage for a defined period or for life.

Life insurance needs change as life changes. Marriage, having children, buying a home, or paying off debt are all good reasons to review your policy and make sure it still reflects your family's needs.

Protecting Your Family’s Financial Future

Life insurance is a contract between you and an insurance provider designed to give your loved ones financial security if something happens to you. In exchange for regular premium payments, the insurer pays a death benefit to your chosen beneficiaries, helping cover everyday expenses, debts, or future costs like college tuition.

There are two main types of life insurance to consider. Term life insurance provides coverage for a set period, such as 10, 20, or 30 years, and is typically more affordable, making it a popular choice for covering a specific need like a mortgage or a child's upbringing. Whole life insurance covers you for your entire life and includes a cash value component that grows over time.

Finding the Right Life Insurance Coverage

The right amount and type of coverage depends on your income, debts, and the people who rely on you financially. A good starting point is to think about how many years your family would need support if your income stopped, and whether you want coverage for a defined period or for life.

Life insurance needs change as life changes. Marriage, having children, buying a home, or paying off debt are all good reasons to review your policy and make sure it still reflects your family's needs.

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frequently asked questions

When can I sign up for Medicare?

There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a coverage gap, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.

What does Medicare cost in 2026?

Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.

What's the difference between Original Medicare and Medicare Advantage?

Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.

Do I need a separate plan for prescription drugs?

Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.

What happens if I sign up late?

Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.

What do I do when I turn 65?

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frequently asked questions

When can I sign up for Medicare?

There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a gap in coverage, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.

What does Medicare cost in 2026?

Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.

What's the difference between Original Medicare and Medicare Advantage?

Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.

Do I need a separate plan for prescription drugs?

Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.

What happens if I sign up late?

Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.

California, USA

proudly serving these areas

  • California

  • Greater Los Angeles

  • Inland Empire

  • Orange County

  • San Diego County

  • Central Valley

  • San Francisco Bay Area

  • Sacramento / Northern California

  • Central Coast

  • Arizona

  • Greater Phoenix / Valley of the Sun

  • Tucson / Southern Arizona

  • Northern Arizona

  • West Valley & Yuma

  • East Valley & Pinal County

California, USA

proudly serving these areas

  • California

  • Greater Los Angeles

  • Inland Empire

  • Orange County

  • San Diego County

  • Central Valley

  • San Francisco Bay Area

  • Sacramento / Northern California

  • Central Coast

  • Arizona

  • Greater Phoenix / Valley of the Sun

  • Tucson / Southern Arizona

  • Northern Arizona

  • West Valley & Yuma

  • East Valley & Pinal County

LIVE THE LIFE YOU

ALWAYS IMAGINED

LIVE THE LIFE YOU

ALWAYS IMAGINED

Aguilera & Associates Insurance Services

CA LIC #0B01700 6620 Coyle Ave Suite 120, Carmichael, CA 95608

Cell (415) 271-5160

cONTACT

service areas

Greater Los Angeles

Inland Empire

Orange County

San Diego County

Central Valley

San Francisco Bay Area

Sacramento / Northern California

Central Coast

service areas

Greater Phoenix / Valley of the Sun

Tucson / Southern Arizona

Northern Arizona

West Valley & Yuma

East Valley & Pinal County

operating HOURS

Mon: 9:00am - 5:00pm

Tue: 9:00am - 5:00pm

Wed: 9:00am - 5:00pm

Thu: 9:00am - 5:00pm

Fri: 9:00am - 5:00pm

Sat: CLOSED

Sun: CLOSED