Ask yourself this, “If something unforeseen happened to me or my loved ones today, would we be financially OK?” “Could the mortgage, rent, bills, car, insurance, child care, food, and other basic necessities be met?” “What about college tuition, medical bills, a child’s wedding?” “Who would bare the financial weight of a proper burial and memorial service?”
Sickness and death is DIFFICULT. Much of the time it creates hardships we never thought of or had time to think of or wanted to think of. Nothing says “I love you” like life insurance.
There are several types of life insurance products on the market today. Term, permanent, universal, and final expense to name a few. Each with a design and a purpose. The older we get, the more costly it gets and increases our chances of being denied due to health.
Call Serra Benefits & Insurance Services for a life insurance consult and quotes.
Types of Life Insurance
A term policy is straight insurance with no investment component. You’re buying life coverage that lasts for a set period of time provided you pay the monthly premium. For example, this temporary insurance may be purchased in 5, 10, 15, 20, 25, and 30 year terms.
Generally, if you outlive your term insurance, you need to re-apply.Because of this, 30 year term may look more attractive than a 10 year term policy because the rates are guaranteed for 30 years.Shorter term policies, although cheaper, will end sooner. When it’s time to re-apply, you will be older making the policy more expensive and there is no guarantee of your health at that time.
Indexed Universal Life Insurance
Final Expense or Burial Insurance
If you have any questions on polices or have additional questions before get a free quote, please contact our offices today.
403 N. Freeman Street
Oceanside, CA 92054
Email: email@example.com or firstname.lastname@example.org
CA License Number: 0C175088