Life Insurance

Your family is a responsibility, and there’s nothing better than watching them succeed in their ambitions, dreams, and conquests. But should something unfortunate happen to you, you will want to be prepared to provide the assurance needed by your family to keep their futures safe and sound.

At All CA Insurance, we work with you to keep your family protected in the event of your death.  We understand that as things and time change, so will your financial and insurance needs, which is why it is important to review your Life Insurance options with a specialist you can trust. A Life Insurance policy can give you peace of mind knowing that your beneficiaries and finances are secure – from temporary to permanent coverage.

Why Life Insurance?

Mortgage Debt

Protecting your home takes more than a good monitoring system. For many of us, a home is the most expensive purchase we ever make, and a mortgage loan will usually be the biggest debt we’ll ever pay. Life insurance proceeds can assist your family keeps the home you worked hard for.

Children

Clothing, food, vacations, education… there’s no question, raising a kid is a financial commitment. Life insurance proceeds can financially support those you leave behind, so a loss of life doesn’t become a financial burden.

Future Income

Are you securing the future for your spouse? Supporting a loved one with special needs? Life insurance today could help you provide them financially when you’re no longer here.

Business

People can be a business’s biggest asset. Life insurance can help you cover expenses against losing key employees, help fund the transfer of a company when one owner or partner dies, or help you retain valuable employees as a long-term benefit.

Types of Insurance

Term Life

The simplest type of life insurance and usually the least expensive to start. It provides coverage as long as you pay the premiums, typically up to age 90. Premiums are guaranteed not to change for the first 10 to 30 years of the policy and increase annually. It can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes.

Whole Life

Whole life insurance is designed to last as long as you do. Premiums never increase. Initial premiums are higher than term insurance, with funds accumulating within the policy as cash value. Whole life is the most conservative type of permanent life insurance, with guaranteed level premiums, guaranteed cash value accumulation, and a guaranteed death benefit

Universal

Like whole life, universal life insurance offers life-long coverage. But it allows flexibility in the timing and amount of premiums and allows you to adjust the death benefit amount. You choose the amount of compensation to pay. You can build more cash value by paying more, or; you can reduce or even pause payments as long as policy costs are covered.

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