Next Gen Financial specializes in providing various life, health & benefits insurance products and services to individuals, families and companies of all sizes. We offer a range of insurance options, including term life insurance, whole life insurance, universal life insurance, and other related products.
We typically work with clients to assess their insurance needs and financial goals, helping you to choose the most suitable life insurance coverage for your specific situation. This may involve evaluating factors such as income, assets, debts, dependents, and long-term financial objectives.
Next Gen Financial often collaborates with multiple insurance carriers to offer a diverse selection of policies, allowing our clients to compare options and find the best fit for your needs and budget. We may also provide ongoing support and assistance to policyholders, such as policy reviews, updates, and claims assistance.
Ramon Fazah (Ret.), a decorated Gulf War veteran, is your go-to expert for fast, hassle-free life insurance.
From serving his country in the Gulf War to leading financial teams at Deutsche Bank and Sumitomo Mitsui, Ramon Fazah’s career is built on service and results. Now, as a life insurance agency owner, he’s using his expertise to make a difference in people’s lives.
Need life insurance fast? Ramon Delivers. As a top field underwriter, he gets policies approved and issued and even if you have medical challenges, his extensive list of insurance carrier partners and knowledge of their products he will work hard to get you protected from day one.
Want to boost employee morale and save on taxes? Ramon also crafts innovative business health plans that not only boost employee morale but also save companies money on FICA taxes. His career includes leadership roles at Deutsche Bank and Sumitomo Mitsui, along with extensive experience in securing home loans and commercial funding.
With Ramon, you’re not just getting a policy, you’re getting a dedicated advocate who understands your needs and is committed to your financial security.
CA Insurance License # 0M41435 NPN: 18826150 | CA RE Broker License #: 01837599 NMLS: 916072
Having skills in life insurance can be invaluable for individuals working in the insurance industry or for those seeking to understand and manage their personal financial security. Here are some essential skills
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Life insurance is a contract between an individual and an insurance company, where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person, in exchange for premium payments.
Life insurance provides financial protection for your loved ones in the event of your death. It can help cover expenses such as funeral costs, mortgage payments, debts, and provide income replacement for your dependents.
There are several types of life insurance, including term life insurance, whole life insurance, universal life insurance, and variable life insurance. Each type has its own features and benefits.
Term life insurance provides coverage for a specified period, such as 10, 20, or 30 years. If the insured dies during the term, the death benefit is paid out to the beneficiaries. Term life insurance typically offers the most coverage for the lowest initial premium.
Whole life insurance provides coverage for the entire life of the insured, as long as premiums are paid. It also includes a cash value component that grows over time and can be accessed by the policyholder during their lifetime.
The amount of life insurance you need depends on factors such as your income, expenses, debts, and financial goals. A common rule of thumb is to have coverage that is 5 to 10 times your annual income, but it’s best to evaluate your individual needs with the help of a financial advisor.
Life insurance premiums are based on factors such as the insured’s age, health, lifestyle, occupation, and the type and amount of coverage desired. Generally, younger and healthier individuals pay lower premiums.
Yes, you can typically adjust your life insurance coverage as needed, either by increasing or decreasing the death benefit or changing the policy type, subject to the terms and conditions of your policy.
If you miss a premium payment, your life insurance policy may lapse, which means you lose coverage. However, many policies offer a grace period during which you can make a late payment without penalties. Additionally, some policies have provisions for reinstating coverage if it lapses.
We’re here to support you every step of the way! Take advantage of our expertise with a complimentary consultation. Reach out today and let’s start the conversation!
info@nxtgenfinancial.com
1401 21st St, Ste 6653, Sacramento, California 95811
