Life insurance is very important. It protects your family (beneficiaries) when you (the insurer) die. Just like auto insurance protects against an unplanned problem that could cause a financial burden, life insurance can help pay funeral expenses, existing bills and your mortgage. Some mortgages require a life insurance policy to make sure the mortgage lender gets paid if you are unable to pay.
If you have permanent life (whole life or universal life) insurance, you can build cash value that can grow tax free. Did you ever notice how lenders ask if you have life insurance and you ask what type? They want to know if your life insurance policy increases in value, because it is considered a valuable asset like a stock, bond or savings account. For your family's peace of mind, you should have the right amount of life insurance to protect your home and assets.
While permanent life insurance policies last the life of the insured, term life lasts as long as the policy is designated to do so. The term may vary from 1 year to 30 years. There is also a new type of term life policy that refunds you all premiums paid, if you keep the policy for the term period.
If you are married, your spouse should also have insurance. While some employers offer insurance, it is often too little, offered after a long time of employment, and gone when you are no longer employed with them. If you buy insurance with us, you can change jobs without worries or lack of insurance. If you have children, they can be "riders" on your policy until they are 21 years old. It is a good idea to add them as soon as possible while prices are lower and they are in good health.
Life insurance policies vary, so it is important to provide requested information that may affect the cost. They often ask your gender, age, weight, if you smoke, if you drink, if you have a pre-existing health condition and if you require life insurance to protect your mortgage payments. There are different types of life insurance policies such as term life insurance and universal life insurance. Epstein Insurance Services will help you compare life insurance policies to see what is the best solution for your business.
Life insurance could come to the rescue if you have a terminal illness.
If you are diagnosed with a terminal illness, you may be able to tap into your policy benefits right away to help pay for medical bills or other immediate expenses. These "accelerated death benefits," also called "living benefits," may have been automatically included in your policy, or you may need to add them as a rider. Contact Epstein Insurance Services for more information.
Click on the link below to fill out a quote request form for a California life insurance policy that provides excellent life insurance coverage and services at an affordable cost. Or you can speak with our Epstein Insurance Services agent to discuss the features.
Epstein Insurance Services, Licensed Home, Health, Life and Auto Insurance Agent.
Personal and Commercial Insurance, California State License # 0495709
© 2004-2013. All rights Reserved. Website by Power Pages Web Design.
Authorized Independent Agent serving in Apple Valley, Barstow, San Bernardino, Blythe, Calexico, Calipatria, Cathedral City, Chino Hills, Corona, Desert Hot Springs, El Centro, fontana, Hemet, Hesperia, Indio, Lake Elsinore, Loma Linda, Menifee, Moreno Valley, Murrietta, Ontario, Palm Desert, Palm Springs, Perris, Phelan, Rancho Cucamonga, Redlands, Rialto, Riverside, San Jacinto, Sun City, Temecula, Twentynine Palms, Victorville, Wildomar, Yucca Valley and other residents of California.