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For San Diego, LifeInsurance-Quotes.com is dedicated to providing you with a life insurance policy that fits your needs at an affordable rate. We specialize in finding our clients customized packages that are built to fit their needs and lifestyle. With San Diego LifeInsurance-Quotes.com, you can rest assured that you are protected by a life insurance plan that works for you day and night. To get started, browse the information on our various plans below and then fill out the form to get started customizing a plan that is perfect for you.
Term Life Insurance
Term life insurance is the least expensive, at least initially, of the different types of life insurance. The reason that premiums are lower on this type of coverage is the fact that it does not provide protection for an indefinite period of time. When you purchase a term life insurance policy, you are buying coverage for a specific number of years. If the insured individual dies during the term of the policy, the death benefit will be paid to the policy's beneficiaries. However, if the insured person is still living at the end of the term, the coverage simply expires unless it can be converted to permanent, whole life insurance.
If you are looking for the cheapest form of life insurance, term insurance is your best option. If you are looking for something a little more permanent, with a higher chance of payout, a Whole or Universal Life Insurance Policy may be better for you.
Permanent Life Insurance
If you do not want a life insurance policy that could expire without paying benefits or could increase in price in your later years, you'll want to investigate permanent life insurance options. These types of policies are more expensive to start off than term life policies, but they will remain in effect throughout the insured individual's lifetime and stay level in premium as long as premium payments are made in accordance with the agreement. Both whole life and universal life insurance policies provide permanent protection.
Whole Life Insurance
Whole life insurance is the oldest form of life insurance policy available today. It is exactly what the name implies - it is insurance that lasts your whole life. In most cases, premiums are paid throughout the length of the policy (typically to age 100 or 121), although policies with shorter pay periods are available. Like other types of policies, it will pay the death benefit to your beneficiaries upon your death.
Whole life insurance offers the most significant guarantees of rates and values than any other life insurance policy. Due to these guarantees, whole life presents a very good option for those who have needs for permanent insurance.
Universal Life Insurance
Universal Life Insurance is another form of permanent insurance but it has some added flexibility that Whole Life Insurance does not offer. With Universal Life Insurance, your premium payments not only create an account that can be borrowed against, but it earns interest which can be used occasionally to pay your monthly premiums. This policy, like Whole Life Insurance, covers you for your entire life, not just for a term.
Because of the flexibility offered by Universal Life Insurance Policies, these are usually the best policies for people who are looking for very long term options. Your premium starts high, but it is an investment that will generally lead to lower premiums and higher savings in the future.
Let Us Help You Find Your Policy
Purchasing life insurance is an important investment in your future and the people you love. Make sure to research all of the life insurance types available to you before making a final decision. After all, you are the only person who can make the final decision about which kind of life insurance best meets your needs.
Take a moment and complete the information form at the top of the page and let us take the worry and work out of finding the right life insurance policy. We promise to work to find you the best policy that covers all of your needs and allows you the protection and peace of mind that you are looking for. Receive a free quote today!