Our Value Proposition

Our Focus and Commitment

Barden Insurance and Financial Solutions provides Family Planned Life Insurance and Annuity Services for California Residents. As one of California’s most trusted Insurance Agencies, Barden Insurance and Financial Solutions puts family first and always works toward the best interest of our clients. We believe that if everyone knew what a widow knows, we would all have Life Insurance.

• In what ways do your services benefit your clients and community?

Barden Insurance and Financial Solutions offer free life insurance policy review and new policy discussions in the comfort of your home. Most simply don't understand the language used when discussing life insurance. This is where we are of great assistance. Simplifying Life Insurance and breaking down the structure and language of a policy is a service provided by Barden Insurance that has made us the gold standard of Life Insurance. Taking the time to offer free help is often the most valuable assistance and well received by our Clients. With all the changes in Medicare, our Healthcare Systems, and Life Insurance rates, our trained professionals provide a clear understanding to help countless families across our great State of California.

• What is the message you would like to send to the people of California?

At Barden Insurance and Financial Solutions, we believe in the importance of the family dynamic and offer help to those who don't understand their policy or don't currently have a policy in place. Barden Insurance knows you care deeply for your family and we will help you plan ahead to not bring undue financial hardship to your loved ones. Barden Insurance has a mission to educate and help you better understand the great importance of having a life insurance policy and how to provide the most selfless gift to your loved ones without having to struggle. When you need us, we'll be there!

For more great information on improving your family’s health and overall dynamic, please subscribe to our Free Annual Health & Wellness Guide now! 

http://www.bardeninsurance.com/newsletter.php

Women and Life Insurance

2011 Annual Health & Wellness Guide Preview

Women and life insurance

Why should a man buy life insurance? To protect his family, replace lost income if he dies, provide for his own retirement security and so on. The decision to purchase insurance typically reflects a loving commitment to family and recognition of the need to meet other financial responsibilities. Why should a woman buy life insurance?       

For the very same reasons.

Some facts:

• Just 40 percent of women own individual life insurance. (Source: “MarketTrends — LIMRA’s Factbook: 2010 Trends in United States”)
• Women of all ages average smaller amounts of individual life coverage than men of similar ages. On average, women have $129,800 of individual life insurance, while men have $187,100 of individual life insurance coverage. (Source: “Facts About Life 2011” LIMRA, 2011)
• The time mothers spend performing the 10 primary “mom job functions” would equate to an annual cash compensation of $117,856 for a stay-at-home mom. Working moms would earn $71,860 above their regular salary. (Source: salary.com, 2010 survey)

What about you?
What does your life insurance coverage look like? Is it adequate to help your loved ones, meet your objectives and fulfill your responsibilities?

• If you’re part of a two-income family — Today in many families, husbands and wives are economic partners and those two-income families typically depend on both paychecks to make ends meet.
• If you’re a single woman heading a household — If you’re the sole breadwinner responsible for the support and care of your children, your need for life insurance may be more crucial than in a dual-parent household.
• If you’re a full-time homemaker — How would your husband and children manage without you? While much of what you do as a mom is beyond value, replacing some of the services you perform could cost tens of thousands of dollars a year.
• If you’re a single woman — You may be single but you’re probably not without responsibility. You may have a mortgage or outstanding credit card debt. Perhaps you help provide support for aging parents or grandparents. Should anything happen to you, there will be final expenses that could cost tens of thousands of dollars. Without life insurance, these obligations could fall on parents and other loved ones.

For more great information on improving your family’s health and overall dynamic, please subscribe to our Free Annual Health & Wellness Guide now! 

http://www.bardeninsurance.com/newsletter.php