# Insights | Life Insurance and Funding Answers, Roseville CA

> Plain-language articles on sizing life insurance, term vs. permanent coverage, and business funding options, written by Roseville agent Cheri Muniz.

Canonical page: https://ascendfinancialwellnessgroup.com/insights

# Insights

 
The questions Cheri answers on calls every week, written out in plain language so you can read them at your own pace.
 
[Book a Consultation](/contact)
 
 

 

 

 

 
## Start with the question you already have

 
Three articles, each written to be read in under ten minutes. No jargon, no product pitch, and real numbers wherever they help.
 
 

 [### Business funding options for California owners

Startup, revenue-based, real estate, and SBA financing compared by speed, cost, and what you need to qualify.8 minute read](/insights/business-funding-options-for-california-owners)
 [### How much life insurance do I need?

The three-number method most agents use, worked through on a real California household.6 minute read](/insights/how-much-life-insurance-do-i-need)
 [### Term vs. permanent: which one is right for you?

Where term wins, where IUL or whole life earns its higher premium, and the mix many families end up with.7 minute read](/insights/term-vs-permanent-life-insurance)
 
 

 

 

 

 

 

 
## Start with a conversation, not a quote form

 
Twenty minutes with Cheri is enough to know what your family needs and roughly what it costs. No pressure, no obligation, and no jargon.
 
 

 [Book a Free Consultation](/contact)
 [(916) 597-0314](tel:+19165970314)

---
Ascend Financial Wellness Group · (916) 597-0314 · cheri@ascendfinancialwellnessgroup.com · Roseville, CA
Powered by [Launch Automation](https://launchautomation.ai/websites)