A Smarter Way To Buy Life Insurance.
Coverage That Gives You More:
- Compare Rates From Top National Carriers
- Fill Out One Tailored Application in Minutes
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Term life insurance works for most people, the years when the need for life insurance is at its peak and the budget is tight. Term life insurance provides a very affordable way of obtaining the life insurance needed.
For others, Permanent life insurance that builds cash value, is a better financial strategy.
Whether its, basic whole life insurance or IUL with Long Term Care provisions, our team of agents will work with you to find the best rate to fit your budget and your needs.
No need to shop anywhere else. Life insurance premiums are the same no matter where you shop - including direct from the carrier. That's the strength of letting us do the shopping. We work with over 50 life insurance carriers and we can show you policies that fit your needs, budget and time horizon.
Get started today. We'll be there to help you every step of the way.
What Our Clients Have to Say
Jennifer is amazing! You know from the first sentence that you are going to get top-quality information. She promptly found the perfect insurance policy for me. And she is a lovely person -- totally professional and a joy to talk to!
Anthony Colantuono
Jennifer I just want to thank you for helping me with my mortgage protection insurance. As a single mother, I needed a life insurance policy that would cover my mortgage, provide for my children and cover me if I ever became disabled. You found me a policy that did all of that and more and I just can't thank you enough.
Debra K. Walker
I never knew buying life insurance could be so simple! The ability to see multiple quotes for everything from Term to Whole Life was so helpful. I could make an informed decision. The application was fast and easy and I'm all covered now. Thank you for this!
Pamela Williams
Life Hint:
You can only get life insurance BEFORE you need it.
Make today the day! We can help.
FAMILY PROTECTION
IS YOUR FAMILY PROTECTED IF THE WAGE EARNER DIED?
One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner.
The cash provided by life insurance can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes. Over 1/3 of all US households would feel an adverse financial impact within 30 days if a primary wage-earner died.
Use our valuable life insurance calculator to evaluate if you have enough coverage.
MORTGAGE PROTECTION
DID YOU JUST PURCHASE A NEW HOME?
Purchasing a new home is usually the single largest purchase most families make in their lifetimes. Term Life Insurance provides for affordable coverage.
Return of Premium (ROP) is another term life insurance policy option that after a pre-set period of time, which is usually 20 or 30 years, you can end the policy and get back all of your premium payments. This ensures that if you outlive the term of the policy itself, all the money that was invested will be returned to you. This will provide much needed peace of mind that you do not have to start all over again with another term policy because you can use what has been built up over the years as a nest egg.
For example, if you were to take out a $1 million term life insurance return of premium policy (ROP) and paid $10,000 annually for 30 years. At the end of that time you will be refunded $300,000. There are policies that also add in interest as well. For many, a return of premium policy represents an enormous benefit that can be used to invest in retirement, child college fund or other needs that can be fulfilled by this particular type of policy.
LIFE EVENTS
HAVE YOU EXPERIENCED A RECENT LIFE EVENT?
Life Events such as, Marriage, Baby, Home Purchase, Job Change, Retirement, and Your Small Business Has Grown, could trigger the need for life insurance or trigger the need for more life insurance.
Term life insurance can be a good fit for young families on a budget looking for coverage for a set amount of time. Term life insurance rates are more affordable than whole life insurance because it offers protection for a predetermined time.
If, for example, you want a policy that would cover your mortgage, a 30-year policy might be a good match. As these needs disappear over time, so might your need for a term policy. Compare life insurance rates online to protect your family now.
Call and speak to a licensed life insurance agent for a customized quote today: 1(916) 458-4515
IUL Is More Than Just Life Insurance
Life Insurance To Hedge Against Risk
Facing risk is a part of life – even if it's just driving to work every day. We face risks to our life, health, property, and more. Although we can't eliminate these risks, we can take steps to protect ourselves against them. Life insurance is one way to protect the ones you love from financial harm if anything should happen to you. It provides peace of mind for you and your loved ones. Life insurance protects your family by providing tax-free proceeds that can be used to replace your lost income if you pass away prematurely.
Retirement Planning
WHY IUL?
The two most primary concerns in retirement planning today for most individuals are stock market volatility and taxation—and IUL can help assist you in overcoming both.
Stock market downturns in recent years have sparked real concern about the negative impact future volatility could have on retirement assets.
Additionally, all indicators point towards future tax increases, meaning the fully taxed IRA and 401(k)s may not get the job done when it comes to helping secure a retirement income that will last as long as retirees live.
For this reason, the opportunity to set up a “TAX FREE” income source to supplement income in retirement is looking more and more attractive to individuals attempting to save for retirement.
Get a head start on your future.
Create a tax-free retirement plan for as little as $100/month.
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