HomeAbout UsContact Us

Need Assistance?

Call 888-202-9441

Life Insurance Plans
Term life insurance is considered to be the most basic type of life insurance. Generally it is very affordable and usually has a guaranteed premium for the length of the term. In the event the insured passes away, the face amount of the policy (e.g.:$100,000, $250,000) is paid to the named beneficiary or beneficiaries. The fact that term life insurance is lower in cost than comparable permanent life insurance policies; it is a great choice for individuals who need protection for a specific period of time.

Name:
 email:
Home Phone:
Day Time Phone:
Address:
City:
State:
 Zip Code :
Who is this quote for?
Has the applicant ever been declined or rated for life insurance? Yes No
Applicant: Age
Insurance Type :
Insurance Amount: Term Length (if applicable):
Brief Health Survey
Do you take any medication? Yes No
Please list any medications, health issues, concerns, or comments here.

California Life Insurance

: How Much and How Long Do You Need?


When you buy California life insurance, you need to get one that is just right for your needs. Life insurance can be expensive if not purchased correctly, and if you purchase one without studying its fit with your own lifestyle. You may end up paying for something that is more costly than it has to be.

Some people make this mistake when it comes to California life insurance. It is crucial to understand the different types of policies available to you before purchasing one. Granted Life insurance is just as essential to you as a health insurance policy. If purchased correctly it should be very affordable. Call and speak to one of our licensed life agents today to find out how much a life insurance policy would be for you.

Did you know if you are in you forties you may be able to get up to a $250,000 life insurance policy for less than $40 a month.

The Purpose of Life Insurance

There is only one purpose to having a life insurance policy, and that is to be able to take care of the people who depend on you in the event that something dire happens to you, such as a debilitating illness, accident or death. This is especially true when you have children who are younger than 22 years of age and if your spouse will be unable to provide for their needs fully in case something happens to you.

This means that you do not need to be covered by a life insurance policy for the rest of your life. It also means that you do not have to tie up all your investment opportunities into your life insurance policy.

What to Consider When Getting Life Insurance

When you buy a life insurance policy, you should consider carefully the policy itself before you sign up. There are two important questions that you must answer when evaluating a life insurance policy that you are thinking of buying. One is the amount of coverage that you need, the other is how long you need to be covered.

How much coverage do you need? Many financial experts advise that the value of your coverage should be equivalent to your annual salary for every year that you are covered by the policy. So, if you are earning $40,000 a year and you are buying a life insurance policy that will last for ten years, your coverage should be around $400,000. In case you are in debt or if you have small children, you should aim for more coverage.

How long do you need to be covered by a life insurance policy? That depends on a number of factors. If you have small children, you would need to be able to provide for them until they are around 22 years old and able to support themselves. The average college graduate is around 22 years old. If your spouse is totally dependent on you, you may need to ensure that he or she will be provided for until your retirement age at 65. So, for example, if your youngest child is five years old, you may want a 20-year policy. If you are only 35 years old and you are planning for your retirement, what you may want is a 30-year policy.

There are many things that need to be weighed when you select a California life insurance. For a free consultation today call us at 888-202-9441 or email us at admin@ezhealthinsuranceca.com.

 

No matter if you need no medical term life insurance, non medical life insurance, term life insurance no medical exam, life insurance cash value or life insurance for diabetics please complete the form and we will examine your needs and get with you for your free consultation..

 

Please visit our offical life insurance site here Universal Life Insurance