Life Insurance Specialists for California

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Life Insurance Quote Form

Life Insurance Information

There are many types of life insurance, but they generally fall into two categories: term life insurance and permanent life insurance otherwise known as whole life 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.

What Type Of Life Insurance Is Better?

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.

Contact us online or call (800) 767-8681 today to learn more about coverage options. Proudly serving Churches in Sacramento, Elk Grove, Lodi, Stockton, Modesto, San Jose, Oakland, San Francisco, Santa Rosa, Redding, Red Bluff, Merced, Fresno, Turlock, etc. Our agents are happy to work with you to determine which coverage best meets your needs.

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