Truck drivers insurance

Who is Jason Suzuki?

I'm a people person who is very solution-oriented. Based on my real-life experiences, my life has been quite a journey as I've gone from majoring in philosophy as a pre-law to being a substitute teacher in the District of Mendota to founding my own employee benefits business.

Despite the obstacles I've encountered in my personal and professional life, I remain grateful for the opportunities that have propelled me to where I am today.

In my experience, I've found that many truck drivers underestimate the importance of having sufficient life and disability insurance. If you're a truck driver reading this, please remember that it's not just about safeguarding your truck but also protecting your most valuable asset—you and your ability to earn an income.  

With Suzuki & Associates, I aim to close this knowledge gap for truck drivers by providing the guidance and support needed for making informed decisions about insurance coverage for you and your loved ones.  

I know firsthand how challenging it can be to understand health insurance and other coverage options. But fortunately, we're here to simplify everything for you. We'll guide you through all your choices, keep you updated on current trends that could be advantageous to you, and find the best solutions for your budget.

 Got questions for me?

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Why choose Suzuki & Associates?

Our insurance offerings are flexible, affordable, and specifically tailored to all the unique needs of truck drivers like you.

Transparency

Transparency isn't just a buzzword – it's our guiding principle. No hidden clauses or surprise fees; just clear, honest communication every step of the way. Because we know that when you're informed, you're empowered to make decisions that align with your best interests and protect what matters most.

Your needs come first

Your concerns and aspirations are at the forefront of everything we do. Whether you're navigating the complexities of life insurance or seeking coverage for your business, we tailor our solutions to fit your unique circumstances. Because we understand that your peace of mind is paramount, and we're committed to going above and beyond to ensure you feel supported and secure during this process.

Friendly Mentor

Navigating the world of insurance can feel daunting, but you don't have to go through it alone. Think of us as your friendly mentor, guiding you through the maze of policies and premiums with patience, empathy, and a genuine desire to see you succeed. From deciphering industry jargon to offering personalized advice, we're here to make the process smooth, stress-free, and even enjoyable.

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Unsure where or how to start?  

Term Insurance

Think of term life insurance as your 'straight road' option. It’s like a clear, direct route that's easy to navigate and affordable. This policy offers coverage for a set period of time, ensuring your family's financial security during your prime earning years. If something happens to you within this timeframe, your loved ones receive the benefits, keeping them on track despite any unexpected turns. 

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Whole Life Insurance

Whole life insurance is like taking the scenic route that lasts your entire journey. It might cost more initially, but it provides lifelong coverage and builds cash value over time. It ensures that your family has ongoing financial security no matter what twists and turns life throws at you.

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Family Coverage

Think of this in terms of driving in a convoy with your loved ones. Everyone in your family is covered under one plan, providing safety and support for the entire journey. It's a cost-effective way to ensure that all your family members are protected, no matter where their individual roads may lead. Additionally, it allows you to drive with confidence, knowing you and your family are protected against life’s uncertainties.

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Here is what people say about Jason Suzuki & Associates

Still in doubt? Here is what people had to say about Jason Suzuki & Associates

“When I first got hired as a CHP, I was referred to Jason Suzuki because of his complete understanding of our benefits. He explained everything from life insurance, disability, and even retirement, which made me very confident about my coverage. I highly recommend Jason Suzuki for his expertise and broad knowledge in insurance and retirement.”

Eduardo Rodriguez

California Highway Patrol.

“I have known Jason for over 20 years, and there is nobody I trust more with my insurance policies. Very knowledgeable and professional”

Jeremy Fonseca

California Highway Patrol Officer of the Year 2023.

“Jason Suzuki got me dialed in with my disability insurance. When you’re fighting at the highest level with the “Ultimate Fighting Championship”, injuries occur often. Jason Suzuki explained to me the right amount of coverage that was just right for my situation. Jason Suzuki is my go-to guy.”

Lavar “Big” Johnson

UFC Heavyweight Athlete.

“I have known Jason for many years now and have become a dear friend. The trust I have in Jason is the reason why I decided to do business with him. He’s just solid.”

Khetphet Phagnasay

Actor, Director & Producer

Got any questions?

What is the difference between term insurance and whole life insurance?

They differ in duration of coverage, premiums, cash value and investment component, but the main thing you oughta know is that term insurance offers temporary coverage for a specified period at lower initial costs, while whole life insurance provides lifelong coverage with level premiums and includes a savings or investment component that accumulates cash value over time.

Can I afford life insurance on a truck driver’s income?

Yes you can! We offer options tailored to fit your budget, ensuring your family’s security without straining your finances.

As a truck driver, what factors should I consider when choosing the right life insurance policy for me?

When selecting a life insurance policy, it’s essential to consider factors such as your financial obligations, long-term goals, and budget. Assessing your family's needs, including income replacement, debt repayment, and future expenses, can help determine the appropriate coverage amount. Additionally, consider the length of coverage needed, whether term or whole life insurance suits your needs best, and any riders or optional features that may enhance your policy.

How much life insurance coverage do I need?

The amount of life insurance coverage you require depends on various factors, including your income, family size, outstanding debts, and future financial goals. A common rule of thumb is to aim for coverage equal to 5-10 times your annual income. However, it's essential to conduct a comprehensive needs analysis with the help of a qualified insurance professional to determine the appropriate coverage amount tailored to your specific circumstances.

What is family coverage, and why is it important?

Family coverage extends your insurance benefits to your spouse and children, ensuring their healthcare needs are also covered under one comprehensive plan. You can include life insurance, health insurance, dental insurance, and other essential benefits in a family coverage plan.

What are the tax implications of life insurance proceeds?

In most cases, life insurance proceeds paid to beneficiaries are not subject to federal income tax. However, there are exceptions, such as when the policyholder transfers ownership of the policy to another party or if the policy is considered part of the insured's estate. Additionally, interest earned on the cash value of a life insurance policy may be subject to taxation. It's advisable to consult with a tax advisor for personalized guidance on the tax implications of life insurance proceeds.

How do I apply for life insurance coverage, and what is the underwriting process?

Applying for life insurance coverage typically involves completing an application and providing information about your health, lifestyle, and finances. The underwriting process involves the insurance company assessing your risk level based on factors such as age, health status, and medical history to determine your eligibility for coverage and premium rates. Once approved, you'll receive a policy contract outlining the terms and conditions of your coverage.