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Tom Somers, Owner - Bow Tie Tom Insurance Agency

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Tom Somers, Owner - Bow Tie Tom Insurance Agency

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My mission is to help successful people qualify for all the Life Insurance and Long Term Care Insurance they need to have Peace of Mind, knowing their family and business are protected forever, no matter what the future brings.

10/29/2026

No crystal ball required. 🎃

A common long-term care question is: “When can benefits begin?”

For many tax-qualified long-term care policies, benefit eligibility may be tied to needing substantial help with two of six activities of daily living, such as bathing, dressing, eating, toileting, continence, or transferring. Severe cognitive impairment may also be a qualifying condition.

Every policy has its own terms, conditions, and process, so it is important to review the specific contract.

Want to talk through long-term care planning in Murrieta, Temecula, or Riverside County? Request a planning conversation with Tom.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/28/2026

Don’t let the what-ifs haunt your business. 🎃

As a business owner, your income may be tied closely to the work you do every day. It can be helpful to pause and ask:

• If you could not work, how would income continue?
• Who depends on your role or revenue?
• What would help protect the business you have built?

The right answers look different for every business. Tom helps Riverside County business owners start practical conversations about protection planning.

Schedule a business protection conversation with Tom.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/27/2026

Two paths. No tricks. 🎃

For some people, an online term life insurance quote is a straightforward place to start. For others, a personal conversation can help bring clarity to their questions.

There isn’t one path that fits everyone. The important part is choosing an approach that feels right for your needs.

In Murrieta, Temecula, and across Riverside County, Tom is here to help you talk through your coverage options. Send a message to start the conversation.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/27/2026

No scary surprises. 🎃

A good insurance conversation should feel clear, prepared, and focused on the questions that matter to you.

Before a conversation, Tom takes time to prepare so you can spend less time sorting through jargon and more time understanding your options.

Serving Murrieta, Temecula, and Riverside County with practical insurance guidance. Follow Bow Tie Tom for more.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/23/2026

Thinking about replacing an annuity? Before making a change, take time to understand both what you might gain and what you could give up.

A few questions worth asking:

• Are there surrender charges or other fees?
• Would the new annuity start a new surrender period?
• What benefits or guarantees might change?

The answers depend on your existing contract and the proposed replacement. A tax professional can also help you understand any potential tax implications.

If you’re in Murrieta, Temecula, or the surrounding Riverside County area and would like a no-pressure second opinion, send Tom a message.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/22/2026

Planning for long-term care can bring up a lot of questions. Where do you even begin?

One place to start is understanding the differences between traditional and hybrid coverage. Each approach has tradeoffs, and the right questions depend on your goals and circumstances.

If you’re in Murrieta, Temecula, or the surrounding Riverside County area, Tom can help you have a clear, personal conversation about your options.

Send Tom a message to request a planning conversation.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/21/2026

Business partners: Have you talked about how a future buyout would be funded?

A buy-sell agreement can help outline what happens when an owner leaves the business. It’s also important to consider where the money for a buyout might come from.

Depending on your agreement and circumstances, life insurance may be one way to help fund a buyout after an owner’s death.

If you’re a business owner in Murrieta, Temecula, or the surrounding Riverside County area, let’s talk about your options. Send me a message to start a conversation.

Bow Tie Tom Insurance Agency
Independent Broker Life & LTC | CA Insurance Lic.

10/19/2026

A look back at Tom’s work with Riverside County business owners.

Clear information and a real conversation can make the next step easier. Tom is a local life insurance advisor serving Riverside County.

Follow Tom for practical insurance guidance in Riverside County.

Independent Broker Life & LTC | CA Insurance Lic.

10/16/2026

An annuity review should begin before you make a change.

Before replacing, surrendering, or adjusting an annuity, it helps to understand what you have, what could change, and which questions deserve a closer look.

A no-pressure second opinion can be a practical place to start.

If you are in Murrieta, Temecula, or Riverside County, message Tom to schedule a conversation.

Independent Broker Life & LTC | CA Insurance Lic. 0F40683

10/15/2026

Long-term care planning is easier to begin before a family has to make decisions under pressure.

A practical conversation can start with three questions:

Where could care happen?

Who would coordinate it?

How could care affect the plan?

For families in Murrieta, Temecula, and Riverside County, Tom can help you talk through the questions and understand the options worth exploring.

Message Tom to start a no-pressure planning conversation.

Independent Broker Life & LTC | CA Insurance Lic. 0F40683

Address

Murrieta, CA
92562

Telephone

+19519728100

Website

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