Your Insurance premium and the death benefit will not increase, as long as the planned amount is paid. Once you receive a Whole Life Insurance quote  and purchase your policy, a part of the premium paid will go towards insuring your life and the other will go towards an investment account, either an interest bearing account, or stocks and bonds investment account.

Initially, the premiums will be several times higher than you would pay for the same amount of Term Insurance, but in the later years the premium will be lesser. Clients also appreciate that their Whole Life Insurance policy requires no management on their part.

Helpful facts about Whole Life Insurance:
1. Premiums are set at a certain amount and don't change.
2. Premiums are partially determined based on the age of the insured. The younger the insured is, the less expensive the annual premium.
3. There are guaranteed cash values or dividends that are dependent on the specific terms of the policy.
4. The insured can borrow against cash values.
5. Current federal income tax law allows for deferred tax advantages for some Insurance policies.
6. Whole Life Insurance provides coverage for the entirety of the insured's life, generally to age 100, as long as the policy is in force.

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Many of our Clients like choosing their own coverage and being in charge of making changes to their policy as their personal and family needs change. Requesting a Universal Life Insurance quote will place you on the road to discovering this flexible type of Insurance. As long as premiums are paid as requested by the policy, your beneficiaries will receive the death benefit.

Features of Universal Life Insurance:
• Flexibility – you decide the amount of Life Insurance, benefit and premium payments.
• Security – protect your loved ones from financial hardship should the unexpected occur.
• Death Benefit – Life Insurance proceeds are generally income tax free to the beneficiary.
• Guaranteed Interest Rate – earn while you protect your family. The interest rate at which the account value grows is guaranteed never to drop below a defined level.
• Cash Value Growth is Tax Deferred – the growth in cash values is tax-deferred under current Federal income tax law.

Call today for a Universal Life Insurance Quote.

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Term Life Insurance can easily be personalized to your needs. You select the length of the term you need as well as the coverage, or face, or amount of the policy. For example, you can choose a 25 year Term Life policy, in order to maintain your family's standard of living until your children are out of school. Others might only seek a 10 year policy in order to protect their spouse until retirement. Term policies are normally given to individuals who need large amounts of coverage for specific time periods. If the policy is in force at the time of your death, then your beneficiaries will receive the coverage amount you select.

When shopping for Term Life Insurance, these are some common-sense guidelines you can follow:

• Make sure you’re comparing “apples to apples” when shopping for a Term Life Insurance Policy.
• Maintain good health, stop smoking, continue exercising and be good to your body.
• Buy your policy when you are healthy, don’t wait until it’s too late. Preexisting conditions are oftentimes not covered.
• Be honest! Answering questions dishonestly can cause your claim to be denied.
• Buy a policy that you can afford. Compare coverage and price carefully so you know you can make payments and keep your policy current.
• Ask questions. If you do not understand something, ask your Insurance Agent. Takes notes or bring a friend or family member that can help you remember information later.

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Paying loans off in case of untimely death, providing university degrees for your children or grandchildren, making sure a retirement plan is in place or providing  income in case of a job loss are all reasons our Clients purchase Permanent Life Insurance.

Long-term financial protection is something Permanent Life Insurance provides Californians. If you desire to meet long-range financial goals, Permanent Life Insurancemay be the vehicle you are looking for. Permanent Life Insurance provides long-term protection including a death benefit and, cash savings, in some cases. Most appreciate that after they purchase their policy, their rates usually stay the same.

When shopping for Permanent Life Insurance, these are some common-sense guidelines you can follow:
• Make sure you’re comparing “apples to apples” when shopping for a Permanent Life Insurance Policy.
• Maintain good health, stop smoking, continue exercising and be good to your body.
• Buy your policy when you are healthy, don’t wait until it’s too late. Preexisting conditions are oftentimes not covered.
• Be honest! Answering questions dishonestly can cause your claim to be denied.
• Buy a policy that you can afford. Compare coverage and price carefully so you know you can make payments and keep your policy current.
• Ask questions. If you do not understand something, ask your Insurance Agent. Takes notes or bring a friend or family member that can help you remember information later.

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