Ray McCauley, Life Insurance Agent
Ray McCauley
Ray McCauley Insurance
Life Insurance Agent Licensed in CA
Contact Details
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Location
Orangevale, CA
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Website
Ray Can Help With:
About Me
Greetings! I'm Ray, a life insurance professional committed to serving our community. I take the time to understand your unique situation and connect you with coverage that provides long-term security. Let's work together to build your peace of mind for the future.
Q&A with Ray McCauley
What is the difference between a beneficiary and a contingent beneficiary?
Answer: A beneficiary receives his benefits when the insured dies a contingent beneficiary is a backup if the beneficiary and the insured dees
What happens to my life insurance if I change jobs?
Answer: You will lose yor coverage. Group life coverage cancels when you lose the job as it is owned by the employer
Should a stay-at-home parent have life insurance?
Answer: yes, a stay at home parent takes care of the household and children. if that spouse dies the remaining spouse would need funds for day care and home care
How do I choose a life insurance beneficiary if I have a blended family?
Answer: I would either go with whoever you love the most and trust and let them distribute it to whoever you want or put it in your will make the trust beneficiary and have the will distribute the funds however, you want to have it done
Can I get life insurance if I've been denied coverage before?
Answer: yes, there are graded whole life gaurunteed issue policies available. rates are based on location and age..
Can you get life insurance to cover your mortgage?
Answer: yes, you can. You can actually get more than the mortgage amount because it is life insurance. It doesn’t have to be tied directly to the mortgage for example if they have $100,000 mortgage you could take our $250,000 life insurance policy. I have 100 of it pay off the mortgage have the other 150 thousand go to your surviving spouse as living expense money
Should I get life insurance before or after having a baby?
Answer: before. That way there is money set aside for the child’s future if you die before, it is born also you’ll walk in your age a year sooner, which will lower your rate than waiting