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Life insurance

Think about the people who count on you.

Compare life insurance options around your family's needs, your budget, and the expenses you want to help cover.

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Play video: Life Insurance and Your Legacy, 1:07
Watch · 1:07 Life Insurance and Your Legacy
Read the transcript

I'm Julianne Dickey, We Care Medicare, your Medicare insurance advocate for the Central Coast. Life insurance isn't about dying, it's about the people who are living. There are a few different types of life insurance.

There's term life, which covers a set stretch of years when the need is biggest. Whole life covers you your whole life and it also builds cash value. There's another type of life insurance called universal life.

This combines whole and term life. There are hybrid policies that combine life insurance and long-term care coverage. You can use it for care if you need it and if you don't then your family gets the benefit.

Then there's final expense policies. They cover the goodbye, so your family doesn't have to think about it that week. Want to leave a legacy?

Protect what you've built? Let's design it on purpose. Give me a call.

The whole picture

Four things in a full retirement plan.

Play video: Four Things to Review in Your Retirement Plan, 1:20

Four Things to Review in Your Retirement Plan 1:20

Read the transcript

Hi, I'm Julianne Dickey, We Care Medicare, your Medicare insurance advocate for the Central Coast. When we sit down together, I don't just look at Medicare, I look at four things. One, health insurance.

This is usually Medicare coverage that gets you your doctors and helps pay the bills. Two, if you need care at home or in a facility, this protects your savings and it protects your family. Three, income versus growth.

Some annuities pay you a steady paycheck for the rest of your life, and others focus on growing your money. The right one depends on what you need. Four, do you want to leave a legacy?

Protect your assets? And these days, there are hybrid policies that combine long-term care and life insurance all in one. If you need care, you're covered.

If you never do, your family still gets the benefit. We don't have to figure it all today. We start where you are.

Give me a call and let's look at the whole picture together.

A grandfather and his adult daughter preparing a meal while a child draws at the table

The people who depend on you

Start with the need, not the policy name

If your income or support were no longer there, what would your family need? Consider housing, debts, daily expenses, a spouse's income, care responsibilities, and final expenses.

Your needs may change as children become independent, a mortgage is paid down, or retirement approaches. Review existing coverage before deciding whether anything needs to change.

Term and whole life

Term life insurance provides coverage for a specified period under the policy's terms. It may suit a need that has an expected end date, such as years of income replacement or a remaining mortgage.

Whole life is a form of permanent coverage. Premiums, cash values, guarantees, and policy conditions deserve a careful explanation. Keeping a policy in force and borrowing against it can affect its benefits.

Final expense planning

Final expense insurance is intended to help with expenses left at death, such as funeral costs and other bills. Compare premiums, benefit amounts, waiting periods, and exclusions.

It is one part of planning. Make sure your family knows where to find policy details and who to contact when needed.

Life insurance that can help with long-term care

Some life insurance policies today are hybrid designs that can also help cover qualifying long-term care costs. Depending on the policy, unused benefits may pass to your beneficiaries as a death benefit.

These policies are different from traditional long-term care insurance, and terms vary by company. Julianne can walk through the options she represents and help you compare them with the long-term care and annuity approaches.

Beneficiaries, spouse support, and legacy

Check who is named on each policy and whether those choices still match your wishes. A marriage, divorce, death, or other family change can make a review important.

Insurance decisions may connect with gifting, estate planning, and tax questions. Julianne can explain the policies she offers; an attorney or tax professional should address the legal and tax details.

Bring your existing coverage

  • Policy type, benefit amount, and premium.
  • How long coverage is expected to remain in place.
  • Beneficiary designations.
  • Any loans, riders, or conditions you want explained.
  • The family expenses and responsibilities you want to protect.

Talk it through

Your questions belong here.

Julianne can help you understand how this applies to your own coverage and plans.

Call Julianne

No fee for Medicare guidance. Julianne is paid directly by insurance companies.

A conversation is a good place to start

You don't have to work this out alone.

Tell Julianne what's changing in your life. Together, you can work through your coverage questions and next steps.

Call (805) 441-9093Send a message

Contact Julianne

What would you like help with?

Send a message or request a conversation. Julianne will follow up with you directly.

(805) 441-9093
support@wecaremedicareplans.com

Monday through Friday
8:00 am to 5:00 pm
Closed Saturday and Sunday

Serving San Luis Obispo and Santa Barbara counties, from Paso Robles to Lompoc. Meetings at your home or an agreed location. Before any in-home appointment, California law requires 24 hours’ written notice, which Julianne sends you in advance.

Name, email and phone are required.

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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