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Westminster, CA 92683

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Life Insurance in California

A life insurance policy can provide financial protection for your children and spouse in the event of premature death and will allow them to maintain their lifestyle and financial future. Whether you live in Westminster, San Jose, or Diamond Bar, CA, having an insurance policy will ensure their financial survival. Read on to review the types of life insurance policies available for purchase at Western Insurance Marketing Corporation in Diamond Bar, CA.

Term Life

This type of policy will pay you in the event of death that occurs only during the policy term, which is typically a period of 1 to 30 years. There are two common types of riders that can be added to term life insurance policies: decreasing term and level term. A decreasing term indicates the death benefit will drop in one-year increments that occur throughout the policy term. The level term indicates the death benefit will remain the same during the duration of the entire policy. Term insurance policies are often the best alternative in the event protection is needed by an individual for less than a ten-year term. Term life policies have more flexibility and affordability than whole life insurance policies, making them ideal for young adults.

Whole Life

A whole life insurance policy will pay beneficiaries a specified amount upon death as long as the required premiums have been paid. This type of policy may have more appeal to some individuals because it cannot be canceled, revoked, or reduced where there are cases of fraud or nonpayment. Other reasons why a whole life insurance policy may be ideal for a resident of California is because it doesn’t decrease in value, the premium does not increase, you can borrow against a portion of the premium that has built cash value, and the guaranteed amount is paid out to your loved ones upon your death.

Universal Life

This is a type of flexible permanent life insurance that has a mix of term and whole life insurance elements. It can provide you with a death benefit and can accrue interest as long as the monthly payment is kept up with. This type of insurance also benefits loss of income because it can be borrowed from in the event of a financial emergency. The insurance will cover you as long as the cash value is sufficient to cover the various deductions each month.

Long Term Care

Most retirees are excited to be able to enjoy the golden years of their lives with no stress because of their savings. In the event of sickness or a sudden decline of health, what is one to do when the reality of possibly being put in a nursing home or facility rears its ugly head? Would you be covered in the event of high cost medical care? A long term care policy can help ease those financial burdens. A policy can protect your retirement dream for you and your spouse. It provides possibilities of in home care and an affordable path on your journey.

The type of life insurance policy to purchase is an individual choice that is based upon a number of factors that include your current situation and long-term goals. Contact a California agent at Western Insurance Marketing Corporation today for assistance.

Western Insurance Marketing Corporation also writes insurance for Oregon, Washington, Arizona, Colorado, Texas, Virginia, Michigan, Indiana, Montana, Nevada, and New Mexico. For more information over your states insurance laws and requirements, please reach out to our agents. We will be happy to answer any questions you may have.

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