Life Insurance Comparison
A good life insurance policy is more than just comforting assurance in times of great need. It’s also an investment for the future. If you’re concerned about the financial effect your passing may have on your spouse and dependents, having life insurance can help alleviate some of those worries.
Regardless of whether you’re a long-time resident of California, or you’re new to the area, understanding the facts about California life insurance is essential for purchasing the best and most affordable policy available.
The amount of life insurance you'll need usually depends on a broad range of factors, including your age, occupation and the standard of living you want to provide for your dependents.
It’s important to know the differences among individual life insurance plans. For example, whole life insurance offers coverage for your entire lifetime, whereas term life insurance is valid for a specified length of time. Universal policies offer a greater level of flexibility in terms of premium payments, death benefits and cash values.
Some insurance plans such as whole life and cash value allow you to build cash value that you can use later to cover additional costs or that you can borrow against.
Being overinsured can be just as problematic as being underinsured. As your independent agent, we can help you balance your budget and realize your long-term financial goals with a sensible yet effective life insurance policy that meets your needs.
Your independent agent at THINK Ins. & Financial Services can help you understand your insurance options and find the most appropriate policy for your needs as well as your budget. Don’t hesitate to contact your agent to discuss specific details about your circumstances or if you have any other questions and concerns.