Affordable Insurance is a local full-service independent Insurance agency, offering a wide range of
Final Expense, Life Insurance, Annuities, Health Insurance and Medicare Supplements
We represent all major Insurance carriers, customizing plans to fit the needs & budget of our clients.
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 Affordable Insurance  /  Jay Gray /  Jay@INSR4U.com /   760-822-3385 /  877-777-7055

 
A breast cancer diagnosis is bad enough. Emotionally it doesn’t get much worse, but financially it can and most often does. Most women today know of someone who has been stricken with breast cancer. Breast cancer awareness is at an all time high. Additionally, several high profile women who have had breast cancer are bringing [...]

An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. It pays interest based on the performance of a stock market index, usually the Standard & Poor’s 500. Indexed annuities are not at all like mutual funds which actually purchase stocks on your behalf and subject your principal value to market [...]

Life insurance is one of those topics like religion and politics we are conditioned NOT to talk about. However, that being said life insurance is a necessary and invaluable tool in your financial portfolio, if used correctly. Regardless of what your financial planner/advisor tells you there are only two reasons for life insurance and they [...]

No one likes to pay health insurance premiums! However, if you are going to spend the money to be covered, you have to make sure that you have the correct coverage.
You’ll want to hear the story of April Capil. She was diagnosed with breast cancer in November 2008, and you can learn what has happened [...]

Youth sports are one thing. Parents know the risks and have to sign waivers. However most parents don’t know that bicycles and skateboards are responsible for more children’s injuries than all organized sports combined.
When most of us parents were children we seemed to instinctively know that bicycles were meant to stay on the earth. However [...]

In one of my previous messages I explained to you what indexed annuities are. Hopefully you learned how valuable they can be for your retirement savings because now you can benefit from the upside prospects of the stock market without the inherent market risk of mutual funds.
In this I will dispel any [...]

Like Health Savings Accounts for health insurance, indexed annuities are the least understood GREAT product for retirement savings dollars. Unfortunately, like health savings accounts, most financial services professionals that recommend indexed annuities, DO NOT explain them adequately to their clients.
An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. [...]

In this message I would like to highlight some of the many advantages annuities have over bank CDs.
First both offer safety of principal in fact they both GUARANTEE your principal. CDs do it via a small reserve requirement of less than 6% and the balance of the guarantee covered by an insurance policy purchased from [...]

One of the most popular financial tools for retirement savings accounts is the indexed annuity.
Like Health Savings Accounts for health insurance, indexed annuities are the least understood GREAT product for retirement savings dollars. Unfortunately, like health savings accounts, most financial services professionals that recommend indexed annuities, DO NOT explain them adequately to their clients.
An indexed [...]