Term and Whole Life Insurance Information

Term & Whole Life Insurance Policy Info

Life Insurance can help protect your family and is an
excellent way to accumulate money for college,
retirement or unplanned expenses. A person should
have life insurance that approaches six to eight times
their annual gross income. Under current laws, there
is generally no federal income tax on death benefits
paid to a named beneficiary.

Using the strength and experience of our life insurance
markets, we offer affordable term life, whole life, and
universal life insurance policies.

We are a Placerville, CA insurance agency offering affordable California term and
whole life insurance policy coverage in the following towns, cities and counties in
northern California: Diamond Springs, Camino, Smithflat, Coloma, Somerset,
Outingdale, Omo Ranch, Pacific House, Pollock Pines, Grizzly Flats, River Pines,
Kelsey, Garden Valley, Cameron Park, Shingle Springs, Plymouth, Dorado Hills,
Rescue, Lotus, Pilot Hill, Hidden Valley, Cool, Georgetown, Greenwood, Auburn,
Loomis, Penryn, Newcastle, Bowman, Clipper Gap, Applegate, Foresthill, Weimar,
Colfax, Iowa Hill, Gold Run, Baxter, Dutch Flat, Vista, Meadow, Kyburz, Twin
Bridges, Fiddletown, Volcano, Pine Grove, Pioneer, Kit Carson, Sutter Creek, Ione,
Amador City, West Point, Wilseyville, Camp Connell, Jackson, Sacramento,
Dorado, Folsom, Orangevale, Citrus Heights, Fair Oaks, Carmichael, Rancho
Cordova, Roseville, Rocklin, Arcade, North Highlands, West Sacramento,
Rosemont, Davis, Woodland, Placer County, Amador County, Sacramento
County, Yuba County, Calaveras County, Alpine County, and El Dorado County,
CA. We also offer more affordable California life insurance policy coverage rates
throughout the Golden state, including in San Francisco, Oakland, Stockton, and
San Jose, CA.

Term Life Insurance Policy Information - CA

Life insurance coverage for a specified length of time.
A term life insurance policy is usually purchased with
a particular need in mind. Beneficiaries will collect,
usually tax free, the face value of the policy upon the
insured (your) death. Term life is attractive for those
with a limited income, high short term insurance
needs, or for personal family protection.

If the insured survives the time period, the policy expires. There is no cash
value at the expiration of a term life insurance policy. Some policies have a
convertible feature permitting a policyowner to exchange a term policy for a
cash value policy without evidence of insurability.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a specified number of
years. We offer 10, 15, 20, and 30 year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

Click on the link below to fill out a secure quote request form for a Term
Life Insurance policy that will provide excellent life insurance coverage at
an affordable cost. Or you can speak with one of our California Life
Insurance agent specialists at (530) 864-5859 to discuss the features.

Click here to fill out a

Term Life Insurance

quote request form

Whole Life Insurance Policy

Click on one below to learn more!

Term Life Insurance Policy

Whole Life Insurance Information

The most popular choice for those seeking to cover permanent needs, such as
contributing to a survivor's nest egg, paying off final expenses, etc. Whole life
insurance provides permanent, lifelong insurance coverage. The benefit amount
remains the same and is payable to the beneficiary(s) at the time of the insured's
(your) death. It also offers an opportunity to build cash value, so you can take a
loan on your policy to fund major purchases or to provide for unexpected costs.

Whole life insurance has a fixed premium and a level death benefit to age 100.
The premiums don't increase with age, which averages the cost of the policy
over your life. The cash value increases with time until it equals the death benefit
at age 100. This type of policy never has to be renewed or converted. The cash
value is an amount of money that you are guaranteed to receive in the event of
policy cancellation.

Whole Life Insurance Policy Information - California

Variations of Whole Life Insurance include:

Modified Premium - lower fixed premium for the first 3 or 5 years, and then
premiums increase. These policies work well for individuals that expect to
improve their financial condition in the near future.

Graded Premium - premium increases each year for the first 5 years, and
then is fixed.

1. premium costs may make it difficult to buy enough

2. need to carry a whole life policy for a considerable length of time to be very
beneficial

3. cash value may be less than your face value

4. cannot vary your monthly premium payment and the premium-paying period
may be lengthy

5. amount of coverage cannot be increased at a later date

Advantages of Whole Life Insurance

1. guaranteed protection for life

2. level death benefit that is generally tax-free

3. premiums do not increase in correlation with your age

4. cash may accumulate tax-deferred

Disadvantages of Whole Life Insurance

Click on the link below to fill out a secure quote request form for a Whole Life
Insurance policy that will provide excellent life insurance coverage at an
affordable cost. Or you can speak with our northern California Life Insurance
agent specialist at (530) 864-5859 to discuss the features.

Click here to fill out a

Whole Life Insurance

quote request form

Term Life Insurance Information

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.