Our Services
The Early Years
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.
Purchasing a Policy in Your Early Retirement
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.
Planning Your Life Insurance for the Long-Run
Planning Your Life Insurance for the Long-Run
The Early Years
Purchasing a Policy in Your Early Retirement
Planning Your Life Insurance for the Long-Run
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 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.
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.
The Early Years
Seniors Should Always Buy Permanent Life Insurance Policies
Term life insurance is perfect for younger adults with families, designed to protect a young family's income, so your survivors don't lose the home and other assets. Term life insurance policies rarely run much past age 80, which is why it is so important to buy permanent life insurance before you get too old and it becomes unaffordable.
Indexed Universal Life Policies
Indexed universal life policies are designed to last your entire lifetime with no increase in premium, when properly configured. They also build some cash value that can be accessed in an emergency, either as a loan or as a "partial surrender." If the policy owner outlives their partner and there is no real beneficiary, the policy can then be surrendered, and the available cash value can be used to supplement your retirement. Policy ownership in your later years is advantageous for both partners.
Purchasing Final Expense Life Insurance
Seniors Should Always Buy Permanent Life Insurance Policies
Indexed Universal Life Policies
Purchasing Final Expense Life Insurance
For many seniors, the biggest concern is ensuring they don't outlive their savings, fall into debt, and are unable to pay for their own funeral. Someone will have to pay for your funeral—don't be a burden on your family. Our insurance carriers make it affordable by allowing purchases of as little as $2,000, typically in face amounts of $5,000 to $20,000. These small whole life policies are easy to qualify for, usually do not require an exam, and sometimes can even be purchased on a guarantee issue basis.
Term life insurance is perfect for younger adults with families, designed to protect a young family's income, so your survivors don't lose the home and other assets. Term life insurance policies rarely run much past age 80, which is why it is so important to buy permanent life insurance before you get too old and it becomes unaffordable.
Indexed universal life policies are designed to last your entire lifetime with no increase in premium, when properly configured. They also build some cash value that can be accessed in an emergency, either as a loan or as a "partial surrender." If the policy owner outlives their partner and there is no real beneficiary, the policy can then be surrendered, and the available cash value can be used to supplement your retirement. Policy ownership in your later years is advantageous for both partners.
For many seniors, the biggest concern is ensuring they don't outlive their savings, fall into debt, and are unable to pay for their own funeral. Someone will have to pay for your funeral—don't be a burden on your family. Our insurance carriers make it affordable by allowing purchases of as little as $2,000, typically in face amounts of $5,000 to $20,000. These small whole life policies are easy to qualify for, usually do not require an exam, and sometimes can even be purchased on a guarantee issue basis.
1 (760) 477-4753
3410 W MacArthur Blvd. Suite K,
Santa Ana, California 92704
NIPR # 1323540
CA RESIDENT # 0624462
