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California Insurance Blog

The Two Main Types of Life Insurance

When people around you depend on you, you need to be able to leave them something when you’re gone. You can do this by getting your own life insurance policy. It’s essential for your family to have this type of financial protection. If you don’t have any life insurance or want more, you can contact us at THINK Insurance & Financial Services in Pomona, CA. 

Term Life Insurance

This type is perfect for people on a budget. It is the least expensive of the two main types. This allows many people to get a life insurance policy they wouldn’t otherwise be able to afford. When you have term life insurance, it’s good for several years. That set number of years is called the term. Once the term has ended, you’ll no longer have this insurance. You’ll have to get a different policy to be covered again. Some people don’t like that the policy expires, but many appreciate the smaller price tag. 

Whole Life Insurance

If you have more to spend, there is a whole life. With this type of life insurance, there is no expiration date. The policy will remain in place if you keep making the payments for it. When you continue to pay your premiums, the insurance company can’t cancel the policy. This life insurance type also has financial protection built in. The policy slowly starts to build its own cash value. Generally, it takes a few years for this amount to build up. Once there is that cash value, the policyholder can borrow that amount if they ever need to. 

Get Life Insurance

No matter which type of life insurance you want, we can help. Call us at THINK Insurance & Financial Services in Pomona, CA.

Four problems you can avoid thanks to your motorcycle insurance policy

If you ride a motorcycle in Pomona, CA, you need to invest in motorcycle insurance. At THINK Insurance & Financial Services, we insure motorcycle owners.

Carrying a motorcycle insurance policy can allow you to avoid various problems as a biker. You can avoid the following four problems thanks to your motorcycle insurance policy.

Facing a lawsuit after a motorcycle accident

Unfortunately, motorcycle riders sometimes get sued after they are involved in an accident. This can happen when a motorcyclist is held liable for accident damages.

The liability coverage of your motorcycle insurance policy covers any lawsuit costs up to the maximum you may face due to a motorcycle accident.  

Being unable to afford needed motorcycle repairs

If you purchase collision and comprehensive coverage, you can get repair costs covered. Without these types of motorcycle insurance coverage, you’ll have to pay out of pocket if you want to get your bike repaired after an accident. 

Being stranded out on the road

Motorcycle insurance policies can include roadside assistance and towing coverage. This type of coverage comes in handy if you break down or get in an accident and are left stranded out on the road as a result. 

Experiencing stress over the possibility of getting in an accident

One of the best benefits of motorcycle insurance is that it gives bikers peace of mind. While it’s always stressful to get in an accident, carrying insurance makes accidents less stressful and financially consequential for motorcycle owners. 

Ready to insure your bike in Pomona, CA? Enjoy stress-free riding with motorcycle insurance coverage from THINK Insurance & Financial Services. Call us or visit us online for a motorcycle insurance policy quote. 

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