Provide security for your family with a Term Life Insurance Policy at
very affordable rates. Our Agency gives you the information you need to
make your term life insurance decision with confidence. We provide you
with information from the leading California life insurance companies.
Get instant term life insurance quotes, print life insurance
applications.
We are here to help you with the application process.
It has never been easier to purchase term life
insurance. Our
extraordinary carrier database means more choices for you and you can
rest assured that you can purchase for the lowest premiums available.
Term
life insurance defined
Term life
insurance is an insurance policy covering a person's life for a
specified number of years. It is often offered with a guaranteed premium
for a particular number of years. Term life does not have accumulated
cash value. Accumulated cash value generally is the distinction between
term life insurance and whole life or universal life insurance. Cash
value policies are initially much more expensive than term life
insurance policies for the same amount of coverage.
Choosing
a term life insurance company
Term life
insurance is very much like many common commodities in the market place.
It is a product that varies very little from company to company.
Generally the biggest difference in the product is the price. So that
you can choose between many different companies and see the price
difference, we provide you a comparison of approximately 25 of the best
rates for your age from America's 175 top-rated companies.
Our Agency only quotes from companies with an A.M. Best rating of A- or
better. As a result you will be selecting from insurance companies that
have been assigned a superior rating of A- or better from the leading
independent insurance company rating service... A. M. Best. All you
have to do is to decide the amount of life insurance you need and how
much you want to pay
How
much life insurance do I need?
Our Agency
understands that each person has individual insurance needs. There is no
set rule as to how much insurance you need to purchase. You need to
decide how much life insurance you want to leave your dependents to
carry on in your absence. You have to decide how much support you wish
to provide. Many financial planning experts recommend 10 to 20 times
your annual earnings. For business life insurance the amount is often
even more. For many the answer is simply the amount makes you feel your
family is safe.
