Securing Your Future, Protecting Your Peace of Mind
Dedicated to securing your family’s future with compassionate, reliable, and personalized insurance solutions.
We specialize in comprehensive insurance services, always offering our clients the best solutions with timely and personalized advice.
Term life insurance purchased early in life is designed to provide a significant cash benefit to replace years of lost income, pay off mortgages, and possibly even provide some cash for college funds. The key to doing term insurance right is to purchase large amounts of it, as it is so affordable.
Life insurance is designed to provide peace of mind for the insured and their survivors. Providing that peace of mind should still be your goal, even though you are retired and drawing from your retirement savings.
Life insurance gets more expensive as we age. The key is to buy a smaller and more affordable permanent life insurance policy to replace higher face-amount term life policies. By now, you will have saved for your retirement, but having some permanent life insurance is imperative for your surviving spouse, just in case your savings don't go as far as planned.
For 40 wonderful years, we’ve been honored to provide financial security to the families and loved ones of our clients. Our mission is to guide you through every phase of life insurance with care and personalized support. Whether you're just starting out, planning for retirement, or looking to secure permanent life insurance as a senior, we're here to bring you peace of mind.
Let us help you protect what matters most and be part of our family as we continue this journey together.
Personalized and compassionate guidance
Comprehensive insurance solutions
Peace of mind and financial security
Expertise through every phase of life
Flexible and affordable policy options
Support for long-term financial planning
Dedicated service for 40 years
Easy and stress-free insurance processes
Access to living benefits
Protection for your family's future
Over 40
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The choice depends on your needs and financial situation. Typically younger people with a lot of earning years ahead of them will buy TERM insurance because it is less expensive and they can buy a larger amount.
More mature individuals should buy PERMANENT insurance, because they don’t need to consider their child’s college needs and income replacement is no longer as much of a factor. A smaller permanent policy that never expires is more appropriate.
Term Life Insurance
Term life insurance provides coverage for a specified term (e.g., 10, 20, or 30 years). If the insured dies during this period, the death benefit is paid to the beneficiaries. It is more affordable and will be a lower premium than permanent life insurance but does not accumulate cash value.
Term insurance is most often designed to replace the income of a breadwinner, pay off a mortgage and/or provide for a child’s education. The downside of term insurance is that it can get very expensive as you get older and the premiums will continue to increase.
Permanent Life Insurance
Coverage that does not expire, this is the type of policy is appropriate if you want lifelong coverage, an investment component, or to leave a legacy. Permanent coverage will require more funding than term insurance because it is designed to never expire, unlike term insurance.
Final Expense Life Insurance
Final expense life insurance, also known as burial insurance or funeral insurance, is a type of whole life insurance designed to cover expenses related to a person's death, such as funeral costs, burial or cremation expenses, medical bills, and other end-of-life expenses. It is usually issued as a simplified whole life policy and typically does not require an exam. Often purchased in smaller amounts such as $5,000 to $20,000, but can be as high as $40,000 for some companies.
This will depend on your age and health. Typically up to age 60 is available without an exam, but you must also be healthy enough to qualify for a policy that does not require an exam.
Living benefits allow the policyholder to receive a portion of the death benefit early, while still alive, if diagnosed with a terminal illness, a critical illness or a chronic illness. This can help cover medical expenses and other costs during the insured's remaining lifetime.
These extra benefits are typically included at no extra cost in their policy. The benefits are available under certain conditions, as follows.
Terminal Illness Benefit
The Terminal illness living benefit becomes available should the insured be diagnosed by their doctor as terminally ill. At this point, the insured may take a significant portion of the death benefit early (amount varies by policy and carrier), while still living. The death benefit is reduced by the amount they take and the remaining death benefit will be paid out to their beneficiary(s) at time of death.
Critical Illness Benefit
The Critical Illness living benefit provides early access to a significant portion of the death benefit (amount varies by policy and carrier) if the policyholder should suffer a major illness, such as heart attack, stroke, cancer, renal failure or major organ transplant. The death benefit is reduced by the amount they take early and the remaining death benefit will be paid out for their beneficiary(s) at time of death.
Chronic Illness Benefit
Through a Chronic illness living benefit provides early access to a significant portion of the death benefit (varies by policy and carrier) if the policyholder is diagnosed with a chronic illness where they are unable to do any two of the six Activities of Daily Living (ADLs).
The ADLs include activities such as bathing, feeding themselves, dressing, toileting/continence, grooming and mobility. It does not have to be from any specific illness, as long as they can no longer do at least any two of the six ADLs. The death benefit is reduced by the amount they take early and the remaining death benefit will be paid out for their beneficiary(s) at time of death.
Most term policies have what is called a term conversion option in their life insurance policy. This is a clause in their term policy that allows them to convert either all or a portion of their term policy’s death benefit to a permanent policy (usually Universal Life). It should be noted here that no additional underwriting is required, so even if their health is considered uninsurable, the option to convert to a permanent policy is available to them, even at the same good health rating as the original term policy.
This is an important option because people's health changes over time and it is important to know that they have a way to continue coverage, even as their health is in decline. Most all term policies that we offer include a term conversion option for a specified number of years, to convert a term policy to permanent coverage.
No. Life insurance proceeds are never taxable and the death benefit also bypasses the probate process. The money is typically available immediately to the beneficiaries, within 30 days, once a claim has been filed
Yes, you can name minor children as beneficiaries. However, life insurance companies typically require that proceeds be managed by a guardian or trustee until the children reach the age of majority. Setting up a trust can help ensure the funds are managed according to your wishes.
1 (760) 477-4753
3410 W MacArthur Blvd. Suite K,
Santa Ana, California 92704
NIPR # 1323540
CA RESIDENT # 0624462