it's costs so little to protect so much

Life is so ironic it takes sadness to know what happiness is, noise to appreciate silence and absence to value presence...

Life Insurance

Know the facts before you say - "I don't need it":
While advances in medical science have significantly improved your chances of surviving a heart attack, cancer, stroke or other critical illness, the fact remains that 75% of healthy individuals over age 40 will become critically ill at some time in the future:

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Important Statistics

  • Every 29 seconds, an American will suffer a coronary event
  • On average, an American suffers a stroke every 40 seconds
  • Men have a one-in-two lifetime risk of developing some form of cancer. For women, the risk is one in three
  • 50 % of men and 64 % of women who died suddenly of coronary heart disease had no previous symptoms of this disease
The good news:

  • For those suffering a critical illness prior to age 65, the probability of surviving is almost twice that of dying- but could end being disabled for life
  • 12.4 million people alive today have a history of heart attack, angina pectoris (chest pains) or both
  • 4.5 million stroke survivors are alive today, but require ongoing treatment and support
  • 10.8 million people alive today have a history of cancer

Sources 2015 Heart and Stroke Statistical Update, American Heart Association; 2015 Cancer Facts and Figures, American Cancer Society.

Paying the premium is not the problem

Paying the premium is the solution

Take into account the unexpected.

Auto Accidents

  • Over 37,000 - Die in road crashes each year
  • 2.35 million- Injured or disabled
Other Accidents (Annual Average):

  • 125.7 million - Number of outpatient department visits
  • 31.0 million - Number of emergency department visits for unintentional injuries
  • 2.7 million - Older people are treated in emergency departments for fall injuries
  • 2.1 million - Number of emergency department visits resulting in admission to critical care unit
  • Over 300,000 - Kids were treated concussion at the emergency rooms after sports and recreational activities
Sources All stats above are Annual Average reported by: asirt.org & cdc.gov.

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A goal without a plan - is just a wish

Ask yourself a few simple questions:

Individuals

  • Do you have enough savings that will protect your family or those those who dependent on you for unexpected, in the event if you become ill or disabled and will not be able to work for a long period of time?
  • Is your mortgage full paid off?
  • Do you have enough saved for your kids education?
  • Can you retire and not to worry that you might outlive your savings?
  • Would you be able to maintain the same life stile (financially) if your spouse past away?

Business Owners

  • Is your business protected in the event of property, liability, or other loss?
  • Are there any special benefit plans just for Owners or Key Employees (who you heavily dependent on)?
  • Are you prepared if your Key Employees become disabled or die that could jeopardize your company future performance?

If your answer was "No" for at least one of the questions listed above - then you should plan on obtaining a solutions that will satisfy your needs

So How Do I Choose the Right Type of Coverage?

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Choosing the right type of life insurance can be confusing, but it's also an important decision.
Here are some guidelines that can help you narrow down your best life insurance options.



Insurance-guide

Policy Set Up At a Glance

Insurance Policies at A Glance Term Life Insurance:
  • You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a specified time period, buy a term policy for that period.
  • You need a large amount of life insurance, but have a limited budget. In general, this type of insurance pays only if you die during the term of the policy, so the rate per thousand of death benefit is lower than for permanent forms of life insurance. If you are still alive at the end of the term, coverage stops unless the policy is renewed or a new one bought. Unlike permanent insurance, you will not typically build equity in the form of cash savings.

If you think your financial needs may change, you may also want to look into "convertible" term policies. These allow you to convert to permanent insurance without a medical examination in exchange for higher premiums.

Keep in mind that premiums are lowest when you are young and increase upon renewal as you age. Some term insurance policies can be renewed when the policy ends, but the premium will generally increase. Some policies require a medical examination at renewal to qualify for the lowest rates.

Permanent Life:

  • You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be over 100.
  • You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the life insurance in force if you can't pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if you die before it's repaid, the insurance company collects what is due the company before determining what goes to your beneficiary.

Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it.

Universal Life:

A universal life (UL) insurance policy is more flexible than other permanent policies, so you can customize it to fit your lifestyle.

  • May provide a guaranteed death benefit, ensuring the financial security of your family.
  • Gives you the flexibility of choosing how much, and when, to make premium payments. (Depends upon the cash value in your policy.)
  • Accumulates tax deferred and is accessible on a tax-preferred basis and is generally income tax free (under current tax law) to your beneficiary upon your death.
  • Lets you access the cash value for any purpose you may choose including a down payment on a home, a tuition payment for your child or to provide cash flow during your retirement.
  • Allows you to change your death benefit which means you can increase or decrease your death benefit amount (increases are subject to underwriting) as your needs change.

Whole Life:



Whole life insurance provides affordable permanent protection for your family and has a savings component that builds cash value.

  • Provides a guaranteed death benefit to protect your family
  • Offers a guaranteed premium structure, which means your premiums will never increase, but may be reduced or eliminated.
  • Builds cash value that can only increase over time and can be borrowed against or withdrawn.
  • Offers dividends. When dividends are declared, they may be credited to your policy, further increasing the cash value and death benefit.

Our objective is to offer you the best life insurance plan available today that will satisfy your needs!

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Something to consider: The California Guarantee Association will provide 80% or up to $250,000 in reimbursement for your health or life policy IF your original insurance provider goes out of business. This means that as long as your premiums are paid or cash value exists, you will receive reimbursement.

To learn more about the State Guarantee click HERE California Seal

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No person ever dies at the right time, do they?