Vianca's Insurance & Financial Services

¡La conversación sobre la muerte que nadie quiere tener! Acabo de recibir una de las peores llamadas que alguien puede recibir. ¡La hija de uno de mis clientes me llamó para avisarme que su padre acababa de fallecer! Este año acaba de cumplir 56 años y siempre fue un hombre fuerte, enérgico y amable. Hace unos días publiqué que la vida cambia en un abrir y cerrar de ojos porque otro cliente mío me llamó para avisarme que su esposa acababa de estar involucrada en una colisión ...casi frontal y resultó herida. Afortunadamente, fue dada de alta del hospital porque sus heridas no amenazaban su vida, pero al ver los daños en el vehículo, si el otro conductor la hubiera golpeado más cerca de la puerta o al nivel de la puerta, no estoy segura de que hubiera sobrevivido al impacto. Hay un meme que dice "El seguro de vida es como un paracaídas, si no lo tienes la primera vez que lo necesitas, no hay una segunda oportunidad". No estoy seguro de quién lo dijo, pero no puedo enfatizar lo suficiente su importancia. No traerá de regreso a un ser querido ni disminuirá el dolor de una pérdida tan grande, pero eliminará la carga financiera lo suficiente como para ayudar a superar un momento tan difícil. Mi más sentido pésame a la familia de mi cliente. Oro para que encuentren la fuerza, la paz y la fortaleza que necesitan para superar esta situación. Atentamente, Blanca Montejano See more

The Conversation About Death No One Wants To Have! I just received one of the worst calls anyone can receive. The daughter of one of my clients called me to let me know her father just passed away! He just turned 56 this year and was always such a strong energetic and kind man. I just posted a few days ago that life changes in a blink of an eye because another client of mine called me to advise his wife had just been involved in an almost head-on collision and was injured. Lu...ckily she was released from the hospital because her injuries were not life threatening but looking at the damage on the vehicle, had the other driver hit her closer to her door or at the door level I'm not sure she would have survived the impact. There is a meme that says "Life insurance is like a parachute, if you don't have it the first time you need it, there is no second chance." I'm not sure who said it but I can't stress enough the importance of it. It will not bring back a loved one nor will it diminish the pain of such a great loss but it will eliminate the financial burden enough to help get through such a difficult time.. My condolences to my client's family. I pray they find the strength, peace and fortitude they need to overcome this situation. Sincerely, Blanca Montejano See more

La vida puede cambiar en un abrir y cerrar de ojos. Si causa lesiones corporales o daños a la propiedad a un tercero, puede perder mucho si lo demandan, incluyendo sa casa, su automóvil y los ahorros de toda su vida. Si lo llevan a corte, tendrá que revelar todos sus vienes y podría perder su casa, propiedades de inversión y el dinero de las cuentas de ahorro. El seguro puede ayudar a protegerlo, pero tiene que ser el seguro adecuado y las coberturas adecuadas. Con los altos ...valores de las casas en California, muchos propietarios tienen $ 100,000 $ 200,00 $ 300,000 o más en plusvalia y tienen límites de responsabilidad para sus autos en $ 15,000 / $ 30,000 / $ 5,000. Sin mencionar que solo tienen una cobertura de responsabilidad civil de $ 100,000 en su seguro de hogar. Si tiene $ 100,000 de plusvalia en su casa y está conduciendo o permitiendo que otra persona conduzca su vehículo mientras usted tiene los mínimos estatales, está buscando problemas. Por ejemplo: si causa lesiones corporales de $ 50,000, su compañía de seguros de automóvil solo pagará los límites que usted tiene, por lo que si tiene $ 15,000, los $ 36,000 restantes saldrán de su bolsillo más los honorarios y costos de los abogados que se acumulan rápidamente. En algunos casos, es muy recomendable que adquiera una póliza maestra llamada "Umbrella" para ayudar a cubrir cualquier daño excesivo que no esté cubierto por las pólizas de seguro de su casa o automóvil. Obtenga orientación experta llamando hoy al 619-799-9443. Es información gratuita que puede ayudarlo a eliminar miles de y dolores de cabeza en el futuro.

Life can change in the blink of an eye. If you cause bodily injury or property damage to a third party, you can lose a lot if you are sued, including your home, car and life savings. If you lose in court, you will have to disclose all of your assets, and you could lose your home, investment properties and the money in savings accounts. Insurance can help protect you, but it has to be the right insurance and the right coverages. With the high home values in California many hom...eowners have $100,000 $200,00 $300,000 or more in equity and have liability limits for their autos at $15,000/$30,000/$5,000. Not to mention they only carry $100,000 liability coverage in their home insurance. If you have $100,000 of equity in your home and you are driving or allowing anyone else to drive your vehicle while you carry the state minimums you are asking for trouble. For example: if you cause bodily injury of $50,000 your auto insurance company is only going to pay the limits you carry so if you have $15,000 the remainder $36,000 will come out of your pocket plus any attorneys’ fees and costs which quickly add up. In some cases it is highly recommended you purchase an umbrella policy to help cover any excess damage not covered by your home or auto insurance policies. Get expert guidance by calling 619-799-9443 today. It's free information that can help you eliminate thousand and heartache in the future.

Si no tiene seguro de uninsured motorist, podría terminar pagando por esto incluso si no fue su culpa. Si usted tiene uninsured o underinsured motorist, podría obtener hasta $ 3,500 dólares para reparar su automóvil si un automovilista sin seguro o con seguro insuficiente causa daños a su vehículo y / o lesiones corporales. Envíame un mensaje de texto o WhatsApp para más información.

Muchisimas gracias hermosa por tu tiempo y compañía. Lo te imaginas la grande bendición que eres y me siento suñer privilegiada de contar con tu amistad. Sabes que eres bien correspondida y en lo que pueda cuando pueda cuenta conmigo!!

59% of Americans worry constantly about money according to a 2019 H&R survey. Two of the most common effect of stress are anxiety and depression which makes it extremely difficult for you to concentrate on work, spend time with your family, and keep up with your bills and other financial responsibilities. If you are worried, it means you are well aware that if you suffer a critical illness or die prematurely your family's financial health will greatly suffer. Yet you keep procrastinating about life insurance. Why? What is more important than yours and your family's well being? Getting started takes less time than it takes you to wait at the drive thru for a Starbucks beverage. Even Brooke Shields shares her concerns. #lifeinsurance #insurance #lifeinsuranceawarenessmonth https://www.youtube.com/watch?v=1TocVRjt8Tg

Breakfast with family is priceless.. Love you guys. Thank you for making time.

Good morning everyone. I read something today and I would like to share since I believe most of us want to succeed in this crazy world and most of us don't set out intentionally to fail or hurt anyone. In the book Rich Dad Poor Dad is a phrase that says "It's not about what you earn but what you get to keep. With that said you know what I'm going to say next, stop spending in areas you may not even be aware of. One of these areas is insurance. I found an article by Dave Ramsey. Follow the link if you're one of the few who would like to Gain Financial Literacy daveramsey.com/blog/the-cure-for-excessive-spending #insurance #lifeinsuranceonabudget #financialknowledge Now go out there and have a great weekend.

Feliz Día de La Independencia.

When your child is bullied, ignored, or rejected, if you are like most parents you experience a wide array of emotions. Imagine the way your child feels? Now imagine how your child will feel if you die and your current business partner takes him out of the business your business partner(s) and you built together. Even if you have a business continuation plan or partnership dissolution agreement but the company does not have enough liquid assets to buy out your heirs share, ho...w long with they have wait till they receive any monies? Below is a link on How to Get Rid of A Bad Business Partner but keep in mind the least expensive way to protect you and your heirs is with Life Insurance. https://smallbusiness.ng/how-to-get-rid-of-a-bad-business-/ #lifeinsurance #businessinsurance #lifeinsuranceforbusiness See more

How To Freedom To Run Your Business How You See Fit So You Can Avoid Losing Money Having To Financially Support Inexperienced Heirs. I’m sure you thought about it once or twice if not every day, What would happen if my business partner dies? Maybe you try to remain positive and push the idea out of your mind as soon as you can or brush it off like it cannot happen to you. After all your business partner or partners are young and healthy. But no one has a crystal ball that c...an tell you exactly how long anyone will remain healthy or how long you will live? You might be saying to yourself as you read this, If something does happen, I can handle it but can you really? Imagine everything your business partner does, On top of all the responsibilities you already have, even if you can handle the extra work load can you handle dealing with a widow or heirs trying to come in and tell you how to run your business? Below are 7 steps you can take to help protect your business. 1. Know the value of your company/business. a.https://www.bizex.net/business-valuation-tool 2. Know the exact percentage of your ownership status. a.https://www.upcounsel.com/how-to-determine-percentage-of-ow 3. Determine how much liquid cash your company needs. a.https://www.microsoft.com//how-much-cash-should-a-business. 4. Determine the cash value of your percentage of the business ownership. a. Example: If your business is worth $1,000,000 dollars and you are 60% owner, your portion of the business is worth $600,000 dollars. 5. Establish a buy sell agreement. a.https://www.investopedia.com/t/b/buy-and-sell-agreement.asp 6. Determine which life insurance product best fits your company’s needs. a. Term, Term with Living Benefits, Term with Terminal Illness, Permanent, Permanent with Living Benefits etc. 7. Acquire the services of a knowledgeable and licensed life insurance agent. a.http://www.insurance.ca.gov/license-status/ Having a Business continuation plan is key, so you aren't blind-sided by a cr

Small-Business Owners Need Life Insurance. Here's Why. If you are a small business owner, your family members aren’t the only people depending on you. If you die prematurely or become critically ill it could be a disaster for your employees, partners, and it could destroy the company you worked so hard to build. That’s the short version of why you need life insurance. But there’s much more you need to know. #lifeinsurance #insurance #businessinsurance https://www.nerdwallet.com//why-small-business-owners-lif/

Stress is an enormous problem for business owners. Many say they are too busy to even think about supporting mental health in the workplace. And almost half believe that they should be doing more. The fact is, running a small business is one of the most stressful things you can possibly do. We found an article to help you cope. #businessinsurance #affordableinsurance #lowcostinsurance https://maxwelldavies.com/10-causes-of-stress-for-small-b/

If you are like most families, your child is not the only one thinking about his career. Will your child be able to go to the college of his or her choice if you can't provide financially due to an illness or death? This year the COVID-19 pandemic has raised the awareness of the fragility of life and how precarious financial stability can be. Despite the fact that people generally recognize the value of life insurance, LIMRA research shows 46% of Americans are uninsured and... many more do not have enough coverage. Before the pandemic, nearly 1 in 3 families said they would face financial challenges within a month if the primary wage earner died. Below are resources that provide insights about what’s impacting life insurance ownership in 2020 as well as some historic information on how it has changed over the years. #LifeInsurance #Lifeinsuranceawareness #LifeInsuranceProtection https://www.limra.com/LIAM