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Term Life Insurance
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Term Insurance is when you pay a specified premium for a designated amount of time for a locked-in face amount. For instance, if someone buys a 500k term life insurance policy for 20 years, then they are covered with life insurance for 20 years. When the term period is over, the policyholder may have a few options.
Permanent Life Insurance
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Permanent life insurance in Covina, CA, is designed to last until the death of the insured. There are many different strategies for permanent life insurance. Some permanent policies have cash values, while others do not. It is essential to sit and discuss your financial goals and vision for you and your family with an experienced life insurance agent when purchasing a permanent life insurance policy.
Final Expense Insurance
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Final Expense insurance is designed for seniors (maximum ages vary by state) who need insurance for funeral expenses. The average funeral cost in the United States is around $7,000-$10,000. There are two different forms of final expense policies called simplified issued and guaranteed issued. Both simplified and guaranteed life insurance policies generally do not require a medical exam.
Non-Medical Life Insurance
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Non-medical life insurance is the new and quick way to purchase life insurance. With technology advancing life insurance can now be purchased online without a medical exam. With the traditional way of purchasing life insurance it can take up to a month or more before being insured, but when purchasing life insurance online you can become insured in less than an hour.
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