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Life Insurance

The decision on whether or not you need life insurance can be complicated. The decision can be even harder if you are younger. But the fact that you are visiting our website indicates that you are interested in protecting your family in case you die.

The most obvious reason why someone would want to invest in life insurance is the fact that it can replace your income if you die before your dependents. You may want your children to go to college and your family to maintain the same type of lifestyle they have lived to this point. More than likely you would want this to happen even if you were to die prematurely. The question to ask yourself is, If I were to die today, could my family afford to cover their expenses?  If they could, how long could they afford to do so if my income was lost? You can address those concerns by buying enough life insurance coverage.

It's a good bet that you do not want to even think about dying. But if we truly care about our family's well being, purchasing life insurance is a must. If we could look into the future, we would know if we needed life insurance or not. Unfortunately, none of us has the ability to look into the future, much less predict what may or may not happen. What if we did not buy that life insurance policy that would guarantee that our family would not fall into financial disaster if we were to die unexpectedly? Providing for your family even if you were not here anymore is an act of love. If the worst were to happen (or even after the inevitable happens) how do you want to be remembered by your loved ones? As a person who made sure that they would be financially covered after you're gone? Or as a person who left behind debt and worry on how to survive? We insure our cars, cell phones and our homes, so why not insure your most precious commodity? Your life. Get your free quote today.

Navigating Life Insurance



Universal Life is permanent insurance that has the potential to accumulate cash value. However, it offers additional features and options. For example, you can increase or decrease your policy's face amount to accommodate your changing protection needs. You can also increase or decrease the dollar amount of your premium payments and make additional lump sum payments to your policy. Since a Universal Life policy accrues cash value, you can borrow against for any purpose.

You have the option to skip premium payments if your account has accrued sufficient value. A Universal Life policy also has the potential to earn a higher rate of return than a whole life policy, although there is a risk that your rate of return could drop.  
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Term Life insurance is life insurance that you pay for during a specified length of time or term – generally one to 30 years. You select the amount of the death benefit or face value to meet your needs.

Premiums, or payments, which can be the same amount or increase with time, must be made monthly, quarterly, semi-annually, or annually. If you die during the term of coverage, the face amount of your policy will be paid to your beneficiaries. Term insurance policies do not accumulate cash value and usually offer lower premiums than other life insurance products with the same face value.
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Return of Premium (ROP) term life insurance combines traditional term life insurance with a return of premium guarantee.

Insurance companies that offer this product charge slightly more for a ROP policy than for non-ROP term insurance. During the premium period, the insurance company invests a portion of the premium for capital growth. Consequently, the insurance company is able to return your premiums to you at the end of the level-premium period.

With a term life insurance you pay premiums for a specified period (usually 10, 15, 20, or 30 years) until it expires. Then, you either convert to a permanent policy or purchase a new term plan. Since you didn’t pass away during the term there is no return of premiums. With a ROP term life insurance you receive all of your premiums back in one tax free check at the end of the level-premium period.

Ask your insurance agent about Return of Premium Term to see if it’s something that might be right for you.  
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Whole Life Insurance is life insurance that you own for your entire lifetime. The amount of the death benefit or face value can be selected to meet your needs.

Premiums, or payments, are fixed and can be paid monthly, quarterly, semi-annually, or annually. As more premiums are paid, your policy accumulates a cash value that grows on a tax differed basis. In essence, whole life is like buying a house versus renting it. The monthly cost is higher than it would be for a term life policy, but with each payment, you make you gain equity. You can borrow against a Whole Life policy for any purpose. Loans, however, require you to pay interest and any borrowed amount you do not pay back is deducted from the payout to your beneficiary at the time of your death.  
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