Coverage for the Hard-to-Insure

Yes, the price of life insurance is negotiable for people with health issues – even if you have diabetes, high blood pressure, Parkinson’s, or a history of heart trouble. Insurance companies regularly make price reductions for our clients, based on our ability to demonstrate the totality of our clients’ health circumstances.  Don’t pay 30 to 40% more for the life insurance you need. Talk to the experts who may be able to get you the same coverage for less.

Policy Review

When was the last time you had a life insurance review?  Your life insurance coverage should be reviewed every two years to ensure you are getting the greatest amount of coverage for the very best price.  Over that period prices can drop, better guarantees can become available, and of course our family and insurance needs often change.  Rely on the professionals at Horowitz & Firestone to help find a suitable policy and rates to meet your current needs.

Leaving  A Legacy

Did you know you can leave a million dollars to your favorite charity for just a few hundred dollars a month?*  Even better, this money may be tax deductible.  Imagine the invaluable message leaving such a legacy will give your children and grandchildren after you’re gone.   Horowitz & Firestone can show you how simply and inexpensively this can be done.  Be a hero to your children, grandchildren and the people who work hard to help others.

Whole Life Insurance

Why does a whole life policy purchased more than five years ago needs an immediate review?  Lower interest rates, while great for mortgages, are horrible for your whole life insurance policy.  Your policy may end when you’re in your 70s or 80s even though you’ve paid the premiums for years.  Policies like this can become the quiet killer of your estate plan.  At Horowitz & Firestone, this is a problem we know how to fix.  Talk to us about reviewing all of your insurance policies, especially any current whole life insurance policies.

Long Term Care Insurance

The only thing less appealing than thinking about long term care insurance is not having it when you need it.  In California, about one out of two people over age 65 will need some amount of assistance with daily living activities due to health issues.  The cost for this kind of care can easily be $60,000 per year or more!  Long term care insurance can help.  It can pay for your care in case of a stroke or other serious medical conditions.  You’d never dream of not having insurance on your home.  The need for long term medical assistance is an even greater financial danger.


Who do you want to have your money when you’re gone – the kids or Uncle Sam?  If you’re over 60 with an IRA or pension, taxes could take as much as 70% before your children or grandchildren inherit the proceeds.  That’s $700,000 out of a million dollars!  Horowtiz & Firestone can help.  We have a simple plan to help you leave as much cash as possible to your heirs, without increasing your tax liability.  Ask us for details.

Unneeded Life Insurance

Here’s another reason to have a life insurance policy review on a regular basis.  If you’re over 70 or older and you may have a life insurance policy you no longer need.  We may be able to sell it for a significantly higher amount than the cash value.  We’ll be happy to tell you more.  Just ask us.

Inheritance Taxes

So you’ve completed your estate planning, with millions being left to your kids and grand kids.  That’s great!  But what impact will a large inheritance have on them?  Let the professionals at Horowtiz & Firestone work with your legal team to create a plan that transfers your life values, and your wealth, more safely.

Contact us to ask a question or arrange an appointment.

* Based upon a survivorship life insurance policy for two 60-year old non-smokers. Monthly payments to 100. Subject to medical approval and application process. Actual rates may vary depending upon your circumstances.