Call Us 510.886.6000
Life LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Annuities/IRA ANNUITIES/IRA

Discover the perfect options to meet your specific and unique needs.

Read More
Business Insurance BUSINESS INSURANCE

Get the right coverage for the right price.

Read More
Restaurants RESTAURANTS

Insurance protects you against financial loss if you have an accident.

Read More
Retail Stores RETAIL STORES

Learn about different coverage options that fit your specific needs.

Read More
Apartment Insurance APARTMENT INSURANCE

We help you find the best coverage for your property.

Read More

Life Insurance


Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Yelp
Facebook
Google_Plus
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
© Copyright. All rights reserved.
Powered by Insurance Website Builder