Life Insurance Planning With
Buy life Insurance now
Incorporating life insurance into a broader financial plan can help individuals and families address multiple financial needs: protecting loved ones, creating a mortgage protected plan, wealth planning, and planning for future healthcare costs. When strategically used, it is a versatile financial tool that not only provides peace of mind but also plays a key role in achieving long-term financial security.
Buy Life Insurance Now is an independent financial services firm, specializing in helping individuals and families in California by utilizing life insurance to provide a death benefit for loved ones and to protect against future long-term care costs. We also help our client’s by using fixed rate and Index Annuities to assist Individuals in protecting them from market losses. We manage asset rollovers from IRA/401K that are Qualified and also manage non-Qualified assets as well. Our firm understands the complexities and challenges involved in this type of planning. We believe in having both a short -term and longer -term strategies to meet both objectives.
Our firm understands the complexities and challenges involved in holistic planning. We believe in structuring both a short term and long term strategy to meet both objectives.
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Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your insurance strategy.
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial and insurance objectives.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
An Insurance Strategy Designed for You
Next, we align your goals around protection, family and mortgage protection, income protections, with solutions available to you and your family.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
Request Your
Question or Comment
Here For You
Meet The Advisor
Brad Hoffman
Founder
I have worked as an Investment, Life, and Long-Term Care specialist for over 36 years.
I specialize in helping individuals, families, and businesses secure their financial futures.
My firm represents a wide variety of top ‘A’ or higher-rated carriers approved in California, and we boast over three decades of experience helping California small businesses (under 250 employees) navigate the ever-changing complexities of today’s benefit marketplace.
At Buy Life Insurance Now, my expertise lies in helping business owners understand their options for structuring and funding Buy/Sell Partnership Agreements. I also have extensive experience setting up and managing Group Health and Dental plans, Retirement plans, Executive Benefits, and Deferred Compensation programs. My team and I work directly with companies to restructure their benefits using proven strategies like Section 125 Cafeteria plans, which optimize savings for both the employer and the employees.
We also utilize advanced AI shopping tools to uncover additional ways to reduce spending, specifically saving money on the employer’s matching tax on FICA and Social Security contributions. I believe in giving from the heart and treating everyone with respect and dignity.
My firm is California-based and licensed to serve clients throughout the state. On a personal note, I am married with three adult children: a son who just finished his second year of Law School, a son completing his Doctorate in Chiropractic, and a daughter with a Master’s degree in Vocal Performance who has a successful career teaching voice and music
Get a Life Insurance Quote
Life insurance made easy. Get affordable coverage with our simple online quoting tool and application—quick, hassle-free, and on your terms. Apply on your own or connect with our expert team, who’s here to guide you every step of the way.
Step One
Simply complete the fields and run a quote.
Step Two
Choose the coverage you want and start the application.
Step Three
Follow the onscreen instructions and complete the application.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Downloads
How to Exit Your Business and Enter Retirement
Your Guide to Planning Both Life-Changing Events
For many years, you’ve been the captain of your ship. Running your own business hasn’t been easy, and success was never guaranteed. Retirement planning is the next uncharted waters, and there’s no one-size-fits-all map. Ultimately, as a business owner, you must create a unique retirement strategy that often differs greatly from an employee’s.
Financial Calculators
CalcXML Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
