Servicing Southern California for 10 years!

This type of Insurance is specifically ear-marked for a very specific time frame and purpose. Either 10,15, 20 or 30 years. Clients utilize these to cover items like Credit Card debt, Mortgage Payments or even Student Loans left over after passing.

Most policies can include the options of either Return or Waiver of Premiums.

Typically a Whole Life policy not only provides your beneficiaries with a death benefit to cover funeral costs and funds to maintain continuity of the home, but also provides a cash value component with funds subjected to compounding interest which is available to the policy owner throughout the policies existence.

IUL's main objective for the client, among others, is to provide the client with the option to increase the cash value by adding additional funds whenever possible. Much like our other policies, a Living Benefit can be available to clients such as Terminal Illness riders & Accelerated Death benefits.

An annuitant is the individual who receives regular income payments from an annuity contract, pension plan, or retirement policy. Payout amounts are calculated based on their life expectancy.  The owner controls the contract (chooses payout options), while the annuitant is the person whose life determines how long those payouts continue. 

 Long-term care (LTC) insurance is a specialized policy designed to cover the high costs of extended care services, such as nursing homes, assisted living, or in-home care, which are typically not covered by traditional health insurance or Medicare. It helps protect personal savings and assets for individuals who need help with daily tasks due to chronic illness, injury, or cognitive impairment. 

Everyone knows it is not "If", but "When" we pass on that there will be expenses tied to laying us to rest. Having between 5-30K in place to cover those expenses should be a requisite. Let us walk you through simple options to make sure your loved ones can transition to the next phase of life without the stress and worry of how to provide the funds for your funeral.