Life Insurance |
Phone: (310)
473-7171
Fax: (310)
826-0628 |
Life insurance is an essential part of any family's estate
planning. Don't leave your family without financial
protection. Monthly premiums are lower than you expect. If you
want to know your monthly premium, simply complete the online
quote
request form or call 1-310-473-7171
Types of Life Insurance
Term Life Insurance
Term Life Insurance provides the highest levels of
insurance coverage with lowest monthly premiums. Typically,
rates are guaranteed for 5, 10, 15, 20 or 30 years, depending
on the age at which application is made. Term Life Insurance
is best used to protect the family of the insured in the event
that they can no longer meet time-based obligations such as
mortgages or loans.
Whole Life Insurance
Whole Life Policy will cover the insured to age the 100 and
beyond, provided that premiums continue to be paid. Premiums
are guaranteed for life. Whole Life policies can also be
viewed as investments since the cash value of the policy
builds up with time. It is even possible to shorten the number
of years premium is paid by paying for several years and then
using the accumilated cash value of the policy to pay for
later premiums. It is also possible to barrow against the cash
value of a policy. Premiums for whole life policies are
usually higher than term insurance premiums.
Universal Life Insurance
Universal Life is a mixture of Term and Whole Life
insurance. Universal Life Insurance policies build cash value,
but unlike Whole Life, the frequency as well as the amount of
premiums can be adjusted over the years. Life insurance will
remain active at all times, as long as there is enough cash
value to pay for the cost of insurance.
Group Life Insurance
These plans are usually purchased with group health
insurance. There are some insurance companies that offer stand
alone group life insurance on guaranteed issue basis. Group
Life Insurance is Term Insurance offered by the employer for
the benefit of the employee's beneficiaries. Coverage is
typically between $5,000 and $50,000 and premiums are tax
deductible.
Want a proposal? Simply complete the online quote
request form or call
1-310-473-7171
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