California Life Insurance Policy Information

Term, Universal & Whole Life Insurance Policies - California

Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A
person should have life insurance that approaches six to eight times
their annual gross income. Under current laws, there is generally no
federal income tax on death benefits paid to a named beneficiary.

Using the strength and experience of our life insurance markets, we
offer affordable term life, whole life, and universal life insurance policies.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.

Term Life Insurance Policy Information - California

Life insurance coverage for a specified length of time. A term life
insurance policy is usually purchased with a particular need in mind.
Beneficiaries will collect, usually tax free, the face value of the policy
upon the insured (your) death. Term life is attractive for those with a
limited income, high short term insurance needs, or for personal
family protection.

If the insured survives the time period, the policy expires. There is no
cash value at the expiration of a term life insurance policy. Some
policies have a convertible feature permitting a policyowner to
exchange a term policy for a cash value policy without evidence of
insurability.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

Click on the link below to fill out a secure quote request form for a
Term Life Insurance policy that will provide excellent life insurance
coverage at an affordable cost. Or speak with one of our Personal
Insurance agent specialist toll free at 888-991-2929 to discuss the
features.

Whole Life Insurance Policy

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Term Life Insurance Policy

Universal Life Insurance Policy

Whole Life Insurance Information

Universal Life Insurance Information

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Term Life Insurance

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The most popular choice for those seeking to cover permanent needs,
such as contributing to a survivor's nest egg, paying off final expenses,
etc. Whole life insurance provides permanent, lifelong insurance coverage.
The benefit amount remains the same and is payable to the beneficiary(s)
at the time of the insured's (your) death. It also offers an opportunity to
build cash value, so you can take a loan on your policy to fund major
purchases or to provide for unexpected costs.

Whole life insurance has a fixed premium and a level death benefit to age
100. The premiums don't increase with age, which averages the cost of
the policy over your life. The cash value increases with time until it equals
the death benefit at age 100. This type of policy never has to be renewed
or converted. The cash value is an amount of money that you are
guaranteed to receive in the event of policy cancellation.

Whole Life Insurance Policy Information - California

Variations of Whole Life Insurance include:

Modified Premium - lower fixed premium for the first 3 or 5 years, and
then premiums increase. These policies work well for individuals that
expect to improve their financial condition in the near future.

Graded Premium - premium increases each year for the first 5 years,
and then is fixed.

1. premium costs may make it difficult to buy enough

2. need to carry a whole life policy for a considerable length of time to be
very beneficial

3. cash value may be less than your face value

4. cannot vary your monthly premium payment and the premium-paying
period may be lengthy

5. amount of coverage cannot be increased at a later date

Advantages of Whole Life Insurance

1. guaranteed protection for life

2. level death benefit that is generally tax-free

3. premiums do not increase in correlation with your age

4. cash may accumulate tax-deferred

Disadvantages of Whole Life Insurance

Click on the link below to fill out a secure quote request form for a Whole
Life Insurance policy that will provide excellent life insurance coverage at
an affordable cost. Or speak with one of our Personal Insurance agent
specialist toll free at 888-991-2929 to discuss the features.

Click here to fill out a

Whole Life Insurance

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Term Life Insurance Information

Universal Life Insurance Information

Universal Life Insurance Policy Information - California

A flexible premium policy that combines protection against premature
death with a savings account that typically earns a money market rate of
interest. A universal life insurance policy is a combination of term life
insurance protection with the cash savings value of whole life insurance.
Interest rates paid on the cash value are typically higher than with whole
life insurance because they tend to follow the markets.

Premiums for universal life insurance policies can be paid in a lump sum,
annually, or anywhere in between. Interest on the cash value is usually
guaranteed, but will vary according to the investment performance. Each
month deductions are made from the cash value fund to support the costs
of the insurance protection. As long as the cash value is substantial
enough to maintain the monthly costs, the policy will remain in force.
Typically the death benefit reduces in proportion to the increase in cash
value, thus causing a level death benefit.

Variable Universal Life Insurance Policy Information

Combines the growth potential of stocks with a guaranteed death benefit. It
allows premiums to be paid, reduced, or even skipped at any time, and the
contract will not lapse as long as sufficient cash value is available. The
cash value fund can be split between different investment mediums, such
as bond funds, stocks, and money markets. It's interest-sensitive and
allows for an adjustable death benefit.

Click on the link below to fill out a secure quote request form for a Universal
Life Insurance policy that will provide excellent life insurance coverage at an
affordable cost. Or speak with one of our Personal Insurance agent
specialist toll free at 888-991-2929 to discuss the features.

Click here to fill out a

Universal Life Insurance

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Term Life Insurance Information

Whole Life Insurance Information

We are your local Turlock, CA insurance agency, offering affordable life insurance policy
premiums in the following cities and counties: Modesto, Merced, Stockton, Livingston,
Hilmar, Stevinson, Atwater, Winton, Delhi, Cressey, Ballico, Denair, Hopeton, Newman,
Patterson, Crows Landing, Keyes, Hughson, Oakdale, Ceres, Westley, Grayson, Vernalis,
Hickman, Waterford, Tracy, Manteca, Valley Home, Escalon, Banta, Livermore, Lathrop,
French Camp, Farmington, Peters, Linden, Waterloo, Byron, Lodi, Galt, Rio Vista, Oakland,
Concord, Hayward, Fremont, Pleasanton, Santa Clara, San Ramon, East Foothills,
Sunnyvale, Union City, Castro Valley, Alameda, San Leandro, Dublin, Walnut Creek, South
San Francisco, Milpitas, Antioch, Pittsburg, Sacramento, Davis, Ione, Woodland, North
Highlands, Coulterville, Groveland, Sonora, West Sacramento, Vacaville, Merced Falls, La
Grange, Snelling, Catheys Valley, Planada, Tuttle, Gustine, Los Banos, Santa Nella, Volta,
El Nido, Chowchilla, Raymond, Coarsegold, Fairmead, Berenda, Fresno, Clovis, Kerman,
Mendota, Dos Palos, Firebaugh, Ripperdan, Rolinda, Biola, Easton, Parlier, Selma,
Kingsburg, Hanford, Tulare, Visalia, Reedley, Orange Cove, Woodlake, Orosi, Hollister,
Gilroy, Stanislaus County, Merced County, San Joaquin County, Madera County, Santa
Clara County, Calaveras County, Mariposa County, Alameda County, Contra Costa County,
Sacramento County, CA. We also offer life insurance services throughout the state of
California, including the San Francisco, San Jose, Los Angeles and San Diego metro areas,
as well as throughout Arizona and Nevada.

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