Cochrane Insurance & Annuity Services is an Anthem Blue Cross Authorized Agent. Anthem Blue Cross has a large selection of Individual Health, Group Health for small businesses, Medicare Supplement and Medicare Advantage plans for Yuba City residents. Yuba City is home to Rideout Memorial Hospital which is a level 3 trauma center and the local medical helicopter REACH which provides state of the art medical services to Yuba City and the surrounding areas of Northern California.

On April 1, 2008 Blue Cross of California became Anthem Blue Cross. To learn more visit www.Anthem.com/ca/. Cochrane Insurance & Annuity Services, located in Yuba City, is an authorized agent of Anthem Blue Cross in California. Yuba City is located midway between Sacramento and Chico in Northern California along Hwy 99 across the river from Marysville. Anthem Blue Cross has competitive pricing along with a huge plan selection and one of the biggest provider networks in California. It doesn’t matter if you live in Yuba City, Marysville, Sacramento, Chico, the Bay Area or anywhere else in California, we would be happy to help you meet your Health Insurance needs. We specialize in Health Savings Account compatible health plans. Please call us at 877-670-7526 or e-mail us at info@CochraneInsurance.com. You can Apply Directly with Anthem Blue Cross Here or compare plans at our home page at www.CochraneInsurance.com.

On April 1, 2008 Blue Cross of California became Anthem Blue Cross. To learn more visit www.Anthem.com/ca/. Cochrane Insurance & Annuity Services, located in Yuba City, is an authorized agent of Anthem Blue Cross in California. Yuba City is located midway between Sacramento and Chico in Northern California along Hwy 99. Anthem Blue Cross has competitive pricing along with a huge plan selection and one of the biggest provider networks in California. It doesn’t matter if you live in Yuba City, Sacramento, Chico, the Bay Area or anywhere else in California, we would be happy to help you meet your Health Insurance needs. We specialize in Health Savings Account compatible health plans. Please call us at 877-670-7526 or e-mail us at info@CochraneInsurance.com. You can Apply Directly with Anthem Blue Cross Here or compare plans at our home page at www.CochraneInsurance.com.

Quote your own plan and find out which plan is best for you in just a matter of minutes. Visit www.CochraneInsurance.com and get FREE quotes for Life Insurance, Health Insurance, and Medicare products. You can even design a quote for your small business in just a matter of minutes. Feel free to call us as well. We specialize in Health Savings Accounts and High-Deductible Health Plans and would be delighted to guide you into the best plan for you and your circumstances. We can also help you in any Long Term Care planning needs you may have or if you just have questions we can answer those as well. With a Financial Planner and a Registered Nurse on staff we feel we are among the most highly qualified to help you with these health related insurance plans. Please call us at 530-671-7526 or e-mail us at info@CochraneInsurance.com. We are based out of Yuba City which is located midway between Sacramento and Chico in Northern California.

Yuba City is a great place to live and all. The food isn’t bad, there are a few cool things to do and even the people are OK. But just because you live there doesn’t mean you don’t need life insurance! Being a Yuba City resident doesn’t make you some sort of super-human that will never die! That’s right, Death and Taxes are the only things certain in life. But at least you know when your taxes are do, April 15th every year. Death happens any time of year and we will all have our day. But what good is Life Insurance to you if you don’t get the money until you die? What a ripoff!! Well, life insurance is not for you, it’s for the one’s you love and support. It’s for the ones that depend on you and your ability to generate income and support. Term Life Insurance is cheap, but the payoff is huge. For pennies on the dollar you can give your family the piece of mind that if something were to happen to you that they would be taken care of. You don’t need so much that your wifes’ new boyfriend will get the Ferrari he always dreamed of, but you want to make sure that the quality of life your family is currently living isn’t sacrificed. It would be a shame if the first thing your spouse had to do after your funeral was look for a new or second job. Go to www.CochraneInsurance.com for a free Life Insurance Quote or call us at 530-671-7526 to find out how to get started.

If you are looking for the best rates possible on Term Life Insurance from the best rated carriers call Cochrane Insurance & Annuity Services. We only Quote from A+ or higher rated Insurance carriers and can easily find the best insurance to meet your needs. You would be surprised at how inexpensive life insurance could be. To think that a person routinely spends more in a week on Starbucks coffee than they do to Insure  their life and protect their family is crazy. If you live in Sacramento or any of the surrounding counties such as Sutter county, Yuba County, Placer county, Yolo county, Colusa county or even Butte county you are just a step away from Cochrane Insurance & Annuity Services. You have no idea how easy it is to get Life Insurance. Just give us a call at 877-670-PLAN or contact us at info@cochraneinsurance.com and we will get you started.

Found on The Motley Fool, Author unknown

To put it simply, life insurance protects those who depend on your paycheck. If you die prematurely, life insurance provides your dependents with ongoing income to replace yours, until (or unless) they can live comfortably without it. It can also provide a timely emergency fund for medical, legal, and funeral costs, should family savings not be adequate to cover them. (After all, that golf-inspired Fairway to Heaven casket ain’t cheap.)

Life insurance is not a good way to strike it rich for “pennies on the dollar.” It’s not the surest way to leave a life of luxury for future generations of your clan. In fact, even though some life insurance policies are combined with a savings plan (in “cash value” policie), the savings plan is essentially independent. The life insurance component of these cash value policies retains its fundamental purpose: income protection for your dependents after you join that great hokeypokey in the sky.

Given this simple definition of life insurance, it should be easy to decide whether you need it. Start by imagining yourself gone tomorrow. (We know, it’s morbid, but bear with us.) What would the impact be? And could we have your CDs?

Could your family afford the funeral expenses? Have you left a complicated will, or perhaps no will at all? More importantly, what about your spouse, children, and other dependents? Are they counting on your paycheck in the years ahead to cover basic needs and/or future savings goals? If you are the primary caregiver to dependents, what will it cost to replace you with a paid provider, and for how long?

If you are single, or one-half of a two-income, no-dependents household, you probably won’t need much life insurance, if any. With a little planning, you can establish a low-risk savings fund to cover funeral costs, and invest the money you would have paid for insurance premiums. You may also want to obtain coverage that will pay the estate taxes on a huge estate so heirs don’t have to liquidate assets at unfavorable prices to pay them. If you are right now (or think you will be) a successful investor, then you may be a prime candidate for such life insurance. These issues can get complicated, and may be best left to a discussion with an estate planning attorney.

On the other end of the spectrum, if you are the sole breadwinner for a large family with little savings, you are likely to need substantial life insurance. After basic food and housing is covered, life insurance premiums are likely to be next in line in terms of priority, perhaps even ahead of auto loan and credit card payments, and certainly ahead of retirement savings (not to mention satin Elvis bed sheets and Beanie Undies).

 For more information on Life Insurance contact Cochrane Insurance & Annuity Services at 877-670-7526 or at info@cochraneinsurance.com.

Here is a small piece of an article found on AskMen.com, written by Luis Rodrigues.

  Some people believe that having life insurance — planning for their death — will bring misfortune to their lives, and would rather not have any at all. Unfortunately, too many people don’t realize the importance of life insurance until it’s too late.

Life insurance protects those who depend on your paycheck, such as your wife, children and quite possibly, your parents. If you die prematurely, life insurance can provide ongoing income to your dependents, until they are able to live comfortably without it. It can also provide emergency support for legal, medical and funeral costs, should family savings not be sufficient to cover them.

who needs life insurance?

A single individual — or someone who’s one-half of a two-income, no-dependents household — won’t likely need an abundance of life insurance, if any.

Remember; life insurance is not a state lottery. Its purpose is to cover any unexpected costs that a family unit cannot afford or that would put the family’s financial situation in peril. At this stage in your life, the main concerns to plan for are funeral costs, and unexpected estate taxes.

On the other hand, if you’re the sole breadwinner for a large family, with little savings, then life insurance is essential. Once basic items such as shelter and food are covered, life insurance should be next on your list of priorities.

Imagine yourself gone tomorrow; what would the immediate impact on your family be? Are they counting on your paycheck in the years ahead to cover basic needs and future savings goals? Could they afford the funeral costs? Who would pay the home mortgage? Would your family be thrown out on the streets?

At this stage in your life, if you still don’t have life insurance, maybe it’s time to consider getting some — not for your sake, but for your family’s. For more information about Life Insurance and whether or not it would be right for your situation please contact Cochrane Insurance & Annuity Services at 877-670-7526 or at info@cochraneinsurance.com.

The Yuba-Sutter area is home to Cochrane Insurance & Annuity Services which is located in Yuba City, California. Cochrane Insurance & Annuity Services is a division of Cochrane Financial Management, Inc., founded by Yuba City resident Glenn Cochrane with the multi-faceted goal of providing the people in his local and surrounding areas with the tools and resources needed to build a financially sound household. Glenn, who is a Financial Planner, recognizes the need to have a comprehensive and holistic approach when it comes to structuring a persons financial future. Insurance Planning, Investment Planning, Tax Planning, Retirement Planning and Estate Planning should all connect in a financial plan as they all effect one another. Glenn started Cochrane Insurance & Annuity Services in September of 2007 because of a special passion he developed in the areas of Life and Health Insurance. Having been in the Emergency Services field for 12 years as a Firefighter, Paramedic and then as a Registered Nurse in various areas of Critical care, Emergency and Flight Nursing, Glenn has seen and been a part of the financial devastation that can occur when friends, family and loved ones do not have their Life or Health adaquetly insured. Cochrane Insurance & Annuity Services is dedicated to providing the best possible rates and service possible for Life Insurance and Health Insurance using an approach that is unlike most brokers you will find. Please give us a call at 1-877-670-7526 or visit our website at www.Cochraneinsurance.com to find out more….