Frequently Asked Questions

Question 1

What is life insurance?

Accepted Answer

Life insurance is a contract between a policyholder and an insurance company. In exchange for premium payments, the insurer agrees to pay a designated beneficiary a sum of money upon the insured person's death. It is commonly used to help replace lost income, cover debts, or provide for dependents. Individual policies vary significantly in their terms, costs, and benefits.

Question 2

What is the difference between term and permanent life insurance?

Accepted Answer

Term life insurance provides coverage for a specified period. If the insured person passes away during that term, the policy pays a death benefit. Permanent life insurance is designed to provide lifelong coverage and may include a cash value component that grows over time. Both types have different cost structures, features, and suitability depending on individual circumstances. A personal consultation can help you understand which general category may be worth exploring further.

Question 3

How is the appropriate amount of coverage considered?

Accepted Answer

There is no single formula. Common factors people consider include income replacement needs, outstanding debts, future expenses such as education, existing savings and assets, and the financial needs of dependents. A consultation can help you think through these factors in the context of your own situation.

Question 4

What factors can affect premiums?

Accepted Answer

Premiums are determined by the insurance company based on underwriting criteria that vary by insurer and product. Factors that are commonly considered include age, health history, lifestyle, coverage amount, and policy type. Actual premiums can only be determined through a formal application and underwriting process.

Question 5

Is a medical examination always required?

Accepted Answer

Requirements vary by insurer, product, coverage amount, and applicant profile. Some products offer simplified or no-exam underwriting options, while others require a full medical examination. The specific requirements for any policy can only be confirmed through the application process with the applicable insurer.

Question 6

What should I prepare for my first appointment?

Accepted Answer

You do not need to bring any documents to an initial consultation. It can be helpful to think about your general financial goals, any questions you have about life insurance or financial planning, and a rough sense of your current financial situation. Please do not bring or share Social Security numbers, medical records, banking information, or policy documents through this website or by email.

Question 7

Can an existing policy be reviewed?

Accepted Answer

Yes. Reviewing an existing policy can help you understand what coverage you currently have and whether it still aligns with your needs. Please bring a copy of your policy documents to any in-person or video appointment. Do not share policy numbers or sensitive personal information through this website or by email.

Question 8

In which states are services available?

Accepted Answer

Insurance services are available only in states where Jasmin Tseng holds an active license: Texas, California, Arizona, Virginia, and North Carolina. Product availability and services vary by state. You may verify her license through the applicable state department of insurance. California Insurance License No. 0K95089.

Question 9

What languages are consultations available in?

Accepted Answer

Consultations are available in English and Mandarin Chinese. The website is also available in Traditional Chinese, Simplified Chinese, and Latin American Spanish for educational reference.

Question 10

How can I schedule an appointment?

Accepted Answer

You can request an appointment using the form on the Schedule an Appointment page, by calling or texting 281-777-7738, or by emailing jasmin@jtfinancialstrategy.com. In-person, telephone, and video appointments are available. An appointment is not confirmed until Jasmin follows up.

Question 11

Is my personal information safe when I contact you?

Accepted Answer

We take your privacy seriously. Please do not submit Social Security numbers, medical information, banking details, policy numbers, or other sensitive personal information through this website or by ordinary email. For sensitive transactions, you will be directed to a secure carrier portal. See our Privacy Policy for more information.

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