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Life insurance, in its purest form, protects your loved ones from the financial ruin of an unexpected death.
Having a mortgage, sending kids to college, providing financial support for others are among the more common reasons to buy life insurance.
Initially, a short application will need to be submitted. Upon the first review, life insurance companies generally will require a simple in-home medical evaluation before final approval. Depending on your medical history and the results of the interview, the company may ask for additional details. Factors used in determining the cost of your policy and your requested amount of coverage. are age and medical condition. The better your health is, the lower the cost. The sooner you decide to get this physical, the quicker the actual value of your life insurance policy will be determined, and the quicker you’ll have protective coverage.
There are two major types of life insurance term and whole life (permanent). Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including whole life, universal life, variable life, and variable universal life. Life insurance products for groups are different from life insurance sold to people.
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Life Insurance – Financial Cornerstone
Significantly, most financial advisors consider life insurance the cornerstone, “a basic part,” of sound financial planning.
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Life insurance in its simplest form protects your loved ones from the financial ruin of an unexpected death. Having a mortgage, sending kids to college, providing financial support for others are among the more common reasons to purchase life insurance.
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Peter Green, CIC, CWCU
Peter Green Insurance Agency | Life Insurance |Group Medical Plans and Employee Benefit Packages | Serving Costa Mesa, Irvine, Tustin, Santa Ana, Huntington Beach, Mission Viejo, Brea, Fullerton, Anaheim, Laguna Hills, Laguna Beach, Newport Beach, Riverside, Ontario, Long Beach, Whittier, Cerritos, Hacienda Heights, Torrance, Downey, Pomona, Redondo Beach, Los Angeles County, Riverside County and Orange County, CA.