Santa Barbara, Agoura Hills, Moorpark, CA life insurance

Life insurance protects those we love

Life insurance is simply a cost effective way to provide for your loved ones when you are no longer around. You can also use life insurance as a business tool in the form of key man insurance. Life insurance is probably the only type of insurance where someone can gain substantially from the death or misfortune of another, but this is normally not a bad thing, but rather a way to take care of matters beyond the grave.

If you need life insurance in Agoura Hills CA, Camarillo CA, Oxnard CA, Santa Barbara, Ventura CA, Westlake Village CA, then Jones & Maulding can help.

There are two main types of life insurance namely term-life and whole life. Term life insurance is valid for an agreed period, for example twenty years. Term life insurance is a good choice for young couples just starting out. Term life insurance will pay a lump sum or annuity to a beneficiary should the policy holder die within the specified term.

Whole life insurance is valid for as long as the insurance is current and the policy holder is alive. You can also add a saving component to your life insurance. This means part of the premium is applied to a savings or endowment component. An endowment policy will accrue a cash value over time. This cash value can be claimed should the policy be terminated. Life insurance can also protect your financial interests should you become permanently and unable to work.

Taking care of those we love is a natural and intuitive instinct and something most of us will want to do. Life insurance is a cost-effective and practical way to prepare for the unexpected. It is a way to get ones ducks in a row before you face the final curtain.



August 1, 2016
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