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<div class="grid-container">
<div class="grid-x grid-margin-x product-selector-dropmenu" style="display: inline-block;">
<a href="#mortgage_faq_more_info" id="mortgage_hover-mobile" class="refact-mobile" data-mobile-selector="mortgage">Mortgage Protection</a><br>
<hr>
<a href="#universal_faq_more_info" id="universal_hover-mobile" class="refact-mobile" data-mobile-selector="universal">Universal Life Insurance</a><br>
<hr>
<a href="#term_faq_more_info" id="term_hover-mobile" class="refact-mobile" data-mobile-selector="term">Term Life Insurance</a><br>
<hr>
<a href="#final_faq_more_info" id="final_hover-mobile" class="refact-mobile" data-mobile-selector="final">Final Expense</a><br>
<hr>
<a href="#disability_faq_more_info" id="disability_hover-mobile" class="refact-mobile" data-mobile-selector="disability">Disability Insurance</a><br>
<hr>
<a href="#critical_faq_more_info" id="critical_hover-mobile" class="refact-mobile" data-mobile-selector="critical">Critical Illness Insurance</a><br>
<hr>
<a href="#retirement_faq_more_info" id="retirement_hover-mobile" class="refact-mobile" data-mobile-selector="retirement">Retirement Insurance</a><br>
<hr>
<a href="#smartstart_faq_more_info" id="smartstart_hover-mobile" class="refact-mobile" data-mobile-selector="smartstart">SmartStart Insurance</a>
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</div>
</form>Text Content
(732) 835-8603 | About | Working with Symmetry | Contact
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CATEGORIES
* Life Insurance
* Term Life Insurance
* Mortgage Protection
* Final Expense Insurance
* Critical Illness Insurance
* Debt Free Life
* Disability Insurance
* Retirement
* SmartStart
* Symmetry Gives Back
* SmartStart
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OVERVIEW
* SmartStart
HELPFUL RESOURCES
* SmartStart FAQ
* Ways to Save for Your Child's...
* Retirement
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OVERVIEW
* Retirement
HELPFUL RESOURCES
* Retirement FAQ
* How to Use Your Life Insur...
* Critical Illness
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OVERVIEW
* Critical Illness
HELPFUL RESOURCES
* Critical Illness FAQ
* Top Reasons You Need Critical...
* Disability
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OVERVIEW
* Disability
HELPFUL RESOURCES
* Disability FAQ
* Disability Insurance FAQs
* Debt Free Life®
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OVERVIEW
* Debt Free Life
HELPFUL RESOURCES
* Debt Free Life FAQ's
* Life Insurance
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OVERVIEW
* Life Insurance
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* Term Life
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HELPFUL RESOURCES
* Mortgage FAQ
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Al Fletcher
The Fletcher Agency
(732) 835-8603
afletch@thefletcteragency.com
644 E San Ysidro Blvd Ste G, San Ysidro, CA 92173
I am a licensed agent with Symmetry Financial Group, a nationally recognized
organization offering life insurance solutions including mortgage protection,
disability, retirement protection, term life and more. With access to over 30 of
the top carriers, I can help you find personalized coverage to fit your budget.
Let's Talk
PRODUCT SELECTOR
Explore a range of products supported by the top 30 insurance carriers.
Mortgage Protection
Mortgage Protection
Ensures that your mortgage payments are always met on time, even in the face of
unexpected tragedy.
Universal Life Insurance
Universal Life Insurance
Provides a depth of coverage that is both flexible and permanent. Tax-deferred
benefits, living benefits and protection against the unexpected are all
included.
Term Life Insurance
Term Life Insurance
Provides affordable protection, often covering 10-30 years, that provides both
long-term clarity and security.
Final Expense
Final Expense
Provides your family peace of mind knowing that funeral or memorial, cremation
and burial service expenses will be covered.
Disability Insurance
Disability Insurance
Protects your income in the event of disability. If you or your spouse were
injured, and unable to work, what would be your game plan?
Critical Illness Insurance
Critical Illness Insurance
Protects the funds needed to support you or your loved ones in the event of
prolonged illnesses.
Retirement Insurance
Retirement Insurance
Enables you to enjoy the retirement you deserve with a range of financial
solutions including annuities and IUL's.
SmartStart Insurance
SmartStart Insurance
Creates a foundation of long-term financial security that can create your
family's legacy and fund your children's education.
Tap For Selection
Mortgage Protection
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Universal Life Insurance
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Term Life Insurance
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Final Expense
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Disability Insurance
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Critical Illness Insurance
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Retirement Insurance
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SmartStart Insurance
FAQ'S
Our most frequently asked questions
FAQS
Our most frequently asked questions
MORTGAGE PROTECTION BASICS
How does mortgage protection insurance work?
Once you qualify, you pay premiums based on your amount of coverage. If you die
while the policy is in force, the insurance company provides funds to pay off
your mortgage.
Learn More
Why do I need mortgage protection insurance?
Mortgage protection provides funds to cover an outstanding mortgage balance in
the event of your death.
Learn More
What are the advantages of mortgage protection insurance?
The main benefit is to protect your family in the event you die with an
outstanding mortgage balance. This coverage is also easy to purchase, no
physical exam is typically required, and rates are generally affordable. Certain
policies also offer a return of premium feature, so if you don't use the
benefit, you get your money back.
Can I afford mortgage protection insurance?
Yes! Since so many companies offer this coverage, pricing is competitive and
therefore affordable.
Do I qualify for mortgage protection insurance?
Most plans are offered with simplified underwriting, so you don't always have to
pass a medical exam to qualify. If you have a pre-existing condition, this can
be a less competitive option to qualify for.
When should I buy mortgage protection insurance?
If you plan to purchase a home, or you're already paying a mortgage, you should
have this insurance to ensure you're protected if the unexpected happens.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
UNIVERSAL LIFE BASICS
How does universal life insurance work?
Once you apply for coverage and pay your premium, your policy is in force, and
you will be covered if you continue to make payments. This is a permanent plan
with features like a death benefit and a cash value savings component that can
be used to supplement income and pay expenses.
Learn More
Why do I need universal life insurance?
In the event you die unexpectedly, this policy provides funding for your loved
ones to cover any expenses you left behind.
Learn More
What are the advantages of universal life insurance?
This policy is affordable with tax-advantaged savings and loan and withdrawal
features. It also offers premium payment flexibility, so your premium payments
and death benefits can be adjusted at certain points.
Can I afford universal life insurance?
Premiums are less expensive than a whole life policy, and universal life offers
flexible premiums that can offset payments if you needed to halt payments
temporarily.
Do I qualify for universal life insurance?
When you apply, you'll need to answer questions about your health, occupation
and lifestyle. Some universal life policies have limited underwriting, meaning
you may not need to complete a physical exam.
When should I buy universal life insurance?
Sooner rather than later! The younger you are when you buy universal life
insurance, the lower your premiums will be.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
TERM LIFE BASICS
How does term life insurance work?
Like other types of life insurance, you apply for coverage, then the policy is
in force when you begin paying premiums. If you die during the policy term, your
beneficiaries receive a benefit.
Learn More
Why do I need term life insurance?
Term life insurance provides a cash death benefit that can be used to pay off
your expenses if you were to die unexpectedly.
Learn More
What are the advantages of term life insurance?
Term life insurance is generally affordable, and, in some cases, you can convert
your policy to permanent life insurance if you choose. Some term life policies
may include a return of premium option, so if you don't use the benefit, you get
your money back.
Can I afford term life insurance?
Yes! Term life insurance is generally the least expensive type of life
insurance.
Do I qualify for term life insurance?
Most healthy people will qualify. You may still qualify if you have pre-existing
health problems, though your premium might be higher. Some policies are
simplified issue, meaning you shouldn't need a medical exam to qualify.
When should I buy term life insurance?
Rates are based on your age and health at the time you apply for coverage, so
the sooner you apply, the better your chance at locking in a low premium.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
FINAL EXPENSE BASICS
How does final expense insurance work?
Once you qualify, you can purchase final expense at face value, then pay
premiums periodically to keep the policy in force. If you die while the policy
is active, your beneficiary will receive the death benefit.
Learn More
Why do I need final expense insurance?
If you don't have extra funds set aside for final expenses, this policy can help
your family members pay any debt you leave behind when you pass away.
Learn More
What are the advantages of final expense insurance?
Final expense stays in force if you make payments, and your premiums stay the
same for the rest of your life since it is a permanent life insurance plan.
Can I afford final expense insurance?
Since we have access to insurance products offered by dozens of insurance
carriers, we can help you find a final expense policy with premiums that can fit
into your needs and available budget.
Do I qualify for final expense insurance?
Since many carriers offer simplified to guaranteed issue, you may not need to
undergo a physical exam to qualify.
When should I buy final expense insurance?
Since none of us can predict when we will need final expense insurance, the best
time to get coverage is now.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
DISABILITY BASICS
How does disability insurance work?
Disability insurance can be purchased as a stand-alone policy or as an add-on to
your life insurance. If you were to become disabled, your monthly disability
income payments can help you continue paying your bills.
Learn More
Why do I need disability insurance?
Without disability insurance, your family could be at significant risk if you
were to become disabled and couldn't contribute to household bills.
Learn More
What are the advantages of disability insurance?
If you become disabled, this policy helps your family continue paying the
mortgage, so you don't lose your home. This policy also helps avoid the delays
and difficulties that might arise when you rely strictly on Social Security
Disability.
Can I afford disability insurance?
Yes! This policy is surprisingly affordable. You can tailor your policy to the
amount of coverage, the elimination period and the length of time payments would
continue after a disability.
Do I qualify for disability insurance?
Coverage is based on your health and lifestyle as well as your occupation and
income. Normally there is no requirement for a physical exam.
When should I buy disability insurance?
Since none of us can predict when we will need disability insurance, the best
time to get coverage is now.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
CRITICAL ILLNESS BASICS
How does critical illness insurance work?
If you are diagnosed with a covered condition when the policy is in force, the
insurance company will pay you the face amount of the policy, typically in a
tax-free lump sum payment.
Learn More
Why do I need critical illness insurance?
A critical illness diagnosis can affect anyone. Having critical illness
insurance helps alleviate the financial strain of medical bills, mortgage
payments and other expenses so you can focus on getting better.
Learn More
What are the advantages of critical illness insurance?
The main advantage is peace of mind, knowing you will be financially protected
in the event you become seriously ill. The benefit is paid directly to you
rather than a hospital or other facility, so you can choose how the money is
spent, which can help you budget for treatment costs, household bills, etc.
Can I afford critical illness insurance?
Yes! Since we have access to insurance products offered by dozens of insurance
carriers, this policy can be customized to fit your needs and budget.
Do I qualify for critical illness insurance?
In general, most healthy people qualify. Some policies offer simplified
underwriting, so you won't need a medical exam. Policies offering larger lump
sum benefits may require a medical exam.
When should I buy critical illness insurance?
Since none of us can predict when we will need critical illness insurance, the
best time to get coverage is now.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
SMARTSTART BASICS
How does SmartStart insurance work?
Some of your premium payments cover life insurance costs, while the balance
becomes part of the policy's cash value, which accumulates and grows tax-free.
Learn More
Why do I need SmartStart insurance?
SmartStart is life insurance that allows a cash value to build inside the
policy. Your child can later access this fund to cover college expenses, a down
payment on a home, and more.
Learn More
What are the advantages of SmartStart insurance?
The cash value of the policy accumulates tax-free and its growth is indexed to
several indexes with no exposure to market loss. The life insurance component
covers your child's life and protects their future insurability if he or she
were to develop a condition later in life that would make it harder to qualify.
Can I afford SmartStart insurance?
Yes! For a healthy child, premiums are surprisingly affordable.
Do I qualify for SmartStart insurance?
Qualification is based on your child's health and age at the time you apply for
coverage on their behalf. Generally, most children qualify for a SmartStart
plan.
When should I buy SmartStart insurance?
The best time to buy the SmartStart program is now. Starting sooner means the
funds in the cash value component have even more time to accumulate and grow.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
RETIREMENT PROTECTION BASICS
How does retirement protection work?
Indexed Universal Life (IUL) policies and annuities are two retirement
protection options that offer life insurance and savings potential. These
products can help supply the income you need during retirement.
Learn More
Why do I need retirement protection?
If you choose a retirement savings plan early on, you will be able to grow this
policy and have the income you need during retirement to live the lifestyle you
want.
Learn More
What are the advantages of retirement protection?
Annuities and IUL's come with guarantees that can support those concerned about
not having enough retirement income from other sources. With retirement
protection your principal balance is always protected - not exposed to market
loss.
Can I afford retirement protection?
There are some fees and expenses involved with retirement planning, but we are
here to help you navigate your options and make an informed decision.
Do I qualify for retirement protection?
Most annuities require no underwriting, so nearly everyone qualifies. Since an
IUL has a life insurance component, you might need to meet the insurance
company's underwriting criteria in order to qualify.
When should I buy retirement protection?
Now is the best time to purchase! Most people purchase an annuity before
retirement. The cost of coverage for an IUL policy is based on your age and
health when you apply, so it's more affordable to apply for coverage early in
life.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
Let's Talk
WHAT OUR CUSTOMERS SAY
Read what our customers are saying about Symmetry Financial Group and our
agents.
Extremely Knowledgeable
“The agent was extremely knowledgeable and helpful. They were able to get me
coverage at an affordable price.”
Caring & Concerned
“My Agent did a great job explaining my options and finding the best plan for
me. They were also very caring and concerned for my family’s well-being. Would
definitely recommend Symmetry!”
Easy & Affordable
“It was easy, affordable and understandable. I love that I know my family will
have additional coverage.”
WORKING WITH SYMMETRY
Experience the Symmetry Difference
* Best-in-class compensation and incentives
* Industry-leading career choice and opportunity
* Exclusive and diverse lead programs
* Full and part-time opportunities with the ability to work remotely
Get Started on Your Path Today
Upcoming Events
Check out our calendar to discover upcoming events near you.
Learn More
HELPFUL RESOURCES
LIFE INSURANCE
One Year Since COVID-19
DEBT FREE LIFE
How to Get Rid of Debt for Good
LIFE INSURANCE
How to Plan for Different Life Stages With Life Insurance
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best match your coverage and financial needs.
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Core Values
Our eight core values are the
driving force behind everything we do.
Largest Life Insurance Guide
Read our comprehensive guide to answer
any life insurance questions you have.
Interactive Timeline
View our interactive timeline to
see what insurance is right for you
CONTACT US
Al Fletcher
The Fletcher Agency
644 E San Ysidro Blvd Ste G, San Ysidro, CA 92173
Phone: (732) 835-8603
Email: afletch@thefletcteragency.com
Contact Us
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which can
help you get out of debt in nine years or less without spending any additional
money.
Find Out How
PRODUCTS
* Mortgage Protection
* Final Expense
* Term Life Insurance
* Universal Life Insurance
* Disability Insurance
* Critical Illness Insurance
* Retirement Protection
* SmartStart Insurance
WHY SYMMETRY?
Copyright © 2022 Symmetry Financial Group. All Rights Reserved. | Privacy | Site
Map
“Quility” is a brand name used by the Quility family of companies. All insurance
offers, solicitations, and recommendations made via this website are being made
by Quility’s licensed affiliated insurance producers, Symmetry Financial Group,
LLC (d/b/a Symmetry Insurance Services in California) and Al Fletcher. No
offers, solicitations or recommendations are being made via this website in any
state where one of those named Quility licensees does not have a license. Please
see our License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a
Symmetry Insurance Services in California) and Al Fletcher’s license numbers in
each state.
No agent’s success, earnings, or production results should be viewed as typical,
average, or expected. Not all agents achieve the same or similar results, and no
particular results are guaranteed. Your level of success will be determined by
several factors, including the amount of work you put in, your ability to
successfully follow and implement our training and sales system and engage with
our lead system, and the insurance needs of the customers in the geographic
areas in which you choose to work.
Core Values
Our eight core values are the
driving force behind everything we do.
Largest Life Insurance Guide
Read our comprehensive guide to answer
any life insurance questions you have.
Interactive Timeline
View our interactive timeline to
see what insurance is right for you
CONTACT US
Al Fletcher
The Fletcher Agency
644 E San Ysidro Blvd Ste G, San Ysidro, CA 92173
Phone: (732) 835-8603
Contact Us
Copyright © 2022 Symmetry Financial Group. All Rights Reserved. Privacy Policy |
Site Map
“Quility” is a brand name used by the Quility family of companies. All insurance
offers, solicitations, and recommendations made via this website are being made
by Quility’s licensed affiliated insurance producers, Symmetry Financial Group,
LLC (d/b/a Symmetry Insurance Services in California) and Al Fletcher. No
offers, solicitations or recommendations are being made via this website in any
state where one of those named Quility licensees does not have a license. Please
see our License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a
Symmetry Insurance Services in California) and Al Fletcher’s license numbers in
each state.
No agent’s success, earnings, or production results should be viewed as typical,
average, or expected. Not all agents achieve the same or similar results, and no
particular results are guaranteed. Your level of success will be determined by
several factors, including the amount of work you put in, your ability to
successfully follow and implement our training and sales system and engage with
our lead system, and the insurance needs of the customers in the geographic
areas in which you choose to work.
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