When worse comes to worst, wouldn't it be great if you don't have to worry about anything? Having yourself insured can give your family the peace of mind during time of difficulties.
Life Insurance is a temporary or permanent insurance policy provided by a life insurance company in California and other states providing family a temporary or permanent financial replacement and protection to help the family when death occurs. It can also be a temporary or permanent replacement for savings and income replacement in the long run.
Types of Life Insurance
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Index Universal Life
Second to Die Policy
Protection through Temporary Life Insurance
Temporary Life Insurance or Terrm Life Insurance, provides life protection only for a limited period of time. Temporary life protection provides temporary protection.
With a temporary life protection, you can:
Protect your home mortgage. California mortgage insurance is a financial guaranty for the lender in the event a borrower defaults on a mortgage. With mortgage policy, the mortgage insurer reduces the loss to the lender. Typical mortgage policy is different from temporary mortgage life policy. A temporary mortgage life insurance is a policy available in California and other US states designed specifically to repay mortgage debt in the event of the death of the borrower.
Provide security for your family. With family protection insurance, funds are provided to support the widow or orphans. Through family protection policy, you can also pay a child's college education or pay for other capital needs, and final bills such as medical or expenses. This is also available in California and other US states.
Act as income replacement. One of the important reasons for life insurance is income replacement. Having a life insurance helps provides income replacement protection to the family living in California and other states. If an untimely death occurs, the family need not worry of the monthly income replacement since through income replacement policy, the lost income will be substituted by the death benefit pay-out.
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