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We pride ourselves on our adaptability and commitment to excellence in every aspect of our service. At Alexander Legacy Group, we understand that insurance can be confusing. Explore our frequently asked questions to gain clarity and empower yourself to make informed decisions. Your Legacy, Our Commitment.
Frequently asked questions
What is life insurance and why do I need it?
Life insurance provides financial protection to your loved ones in the event of your death. It helps cover final expenses, debts, income replacement, and can support generational wealth building.
What’s the difference between ppo and hmo plans?
PPO plans offer more flexibility to see specialists without referrals, while HMOs often have lower costs but require using a network and referrals.
When should I start retirement planning?
The earlier the better, but it’s never too late. We create personalized plans whether you're in your 20s, 40s, or already retired.
"I don’t need life insurance until I’m older."
Actually, the younger and healthier you are, the more affordable your premiums will be. Waiting can cost you more—or worse, leave your family unprotected.
What’s the difference between term and whole life insurance?
Term life lasts for a set number of years (e.g., 10, 20, 30) and is generally more affordable. Whole life provides lifetime coverage and builds cash value over time.
Can I get insurance outside of open enrollment?
Yes, if you qualify for a Special Enrollment Period due to life changes (like moving, losing coverage, or having a baby). We can check your eligibility.
Will I outlive my money in retirement?
Not if you plan properly. We use tools like indexed annuities to provide lifetime income and protect your principal from market loss.
Healthcare complexity: California has a unique version of the Affordable Care Act marketplace (Covered California), and many people miss out on subsidies or better options simply because they don’t understand how the system works.
We walk clients through private and public health options to ensure they get the most value.
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