Life Insurance in California
Everybody Has Questions About Life Insurance
We're going to provide the information you need to understand the answers. There are four "cornerstone" questions that are important.
1. How does life insurance work?
2. Do I need life insurance?
3. What kind of life insurance do I need?
4. How much do I need?
With these answers, the process of choosing the policy, the amount of protection, the cost, and completing the application become more obvious.
How Does Life Insurance Work?
There are many types of life insurance policies. The most common is Term life insurance. The others are Whole Life and three versions of Universal Life insurance (Fixed, Variable, and Indexed).
We'll explain how each type works and give you a good idea about the situations in which term, whole, and universal life insurance can make sense for you.
Why Should I Get Life Insurance?
As a baby, your need for a life policy is pretty small, just like you. As you age, your need for coverage will change based on your circumstances and your stage in life.
There are three primary reasons to get life insurance. We'll cover each of those and show you how the right coverage is a key part of all your life and financial plans.
What Kind Of Life Insurance Do I Need?
Every print or television ad you see about life insurance says the cost is "less than $15/mo," for a 40 year old man. Those are term insurance ads. Is that what you need?
Or would a permanent policy be better?
The answer is usually, "it depends". We'll go over a life model that can help you decide what you need based on your situation.
How Much Life Insurance Do I Need?
There are several ways to determine what level of protection you need to have. Studies show that the average person only has 40% the amount they should.
What amount is right for you? We'll show you three methods and help you figure out which method you should use.
Then we'll help you determine what the right amount of protection is for your situation.
What If You Weren't There Anymore?
What would your family do? Would they have to leave everything behind? Completely start over? Protect the ones you love before it's too late.
Get Started Here!
Best Rates For Life Insurance In California
See what your cost for Life Insurance is using our online quote engine. Multiple insurance companies, many plan types.
Why Use SPF Insurance?
Why should you use SPF Insurance to get life insurance? It's a good question, and there are some specific reasons that make it clear why we can be your best option.
Life Insurance Rating Classes
The price you'll pay for life insurance depends on your health history. Learn how the insurance companies rate YOU, and how you should view the insurance companies' ratings.
Get Life Insurance Quotes
See life insurance quotes from all the top life insurance companies. Instant results! No hassles! No random agent calls! At SPF Insurance we pride ourselves on being professional and helping you understand the quotes you'll see here. If you have questions, just call or email and we'll get the answers to you.
SPF Insurance provides service throughout California including these cities:
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Oceanside, Escondido, Carlsbad, Temecula, El Cajon, Vista, San Marcos, Encinitas, Solana Beach, Imperial Beach, National City, La Mesa & Ramona
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