Richard Reich

Estate Planning

Answers to Fundamental Questions about Estate Planning Estate planning can be simply defined as the complete process of planning an estate. The components of a successful estate plan would include the following: Estate creation and conservation …

Tips for Individual Disability Insurance

By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk Llife Insurance placements, along with Disability Insurance and Annuities.  In a world where unexpected events and …

Can Insurers Dictate Your Medical Care?

DISABILITY INSURANCE Get Answers to Your Disability Insurance Questions and Get Your Free Quote Today! GET QUOTE NOW! Are insurance companies dictating your medical care?   Disability insurance provides a crucial safety net that can protect your …

Life Insurance for Estate Planning

Putting a solid estate plan in place is an important part of making sure that your loved ones won’t find themselves facing unnecessary financial hardship if something happens to them. The process of estate planning can vary greatly, depending …

Preparing for Death? – 6 Things you Must Do

Six must-do items if you’re preparing for death. Before you start looking at the religious and philosophical answers to this question, I have to quickly warn you that this discussion leans more toward the material than the spiritual. What I am …

Life Insurance with Sleep Apnea

Sleep apnea is a condition that causes disturbances in breathing while sleeping. Typically, an individual with sleep apnea will quit breathing during sleep for a time period, varying from a few seconds to a few minutes. The individual will then …

Life Insurance for HIV Positive Applicants

By Richard Reich | Independent Life Insurance Broker | CA License #0832938 | 30+ years specializing in impaired risk and high-risk life insurance placements.   Can HIV-Positive Applicants Get Life Insurance in 2026? Yes — and the doors are wider open …

Life Insurance for Business Owners

Term Life Insurance Quotes Get term life insurance quotes in just a few clicks. No personal information required Get Quotes Business owners are exposed to considerable financial risks every day and not just from business-related pitfalls. Most …