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Personal Insurance Products

Life Insurance

Life insurance is a protective coverage that will ensure that your family receives a lump sum payout in the event of your death.  Life insurance coverage is designed to provide the whole family with peace of mind in the event that the worst happens to you.  

Have you ever wondered what would happen to your loved ones if you unexpectedly passed away through illness, injury, or an accident?  Without life insurance, if you are the main wage earner in the family, the future could look very bleak for your partner and / or children.  Life Insurance, either term life insurance or whole life insurance, could keep them from losing everything: including the roof from over their heads!

Below are the 2 basic types of life insurance coverage:

  • Term Life Insurance
  • Term life insurance coverage is the cheapest option, and this type of coverage provides protection for a specified period. If you die within the term of the policy, your family will receive the payout. At the end of the specified term your term life insurance policy becomes null and void.  In most cases there is no cash back on premiums, however there are some carriers who will refund the premium at the end of the term .
  • Whole Life Insurance
  • Whole life insurance coverage is classified as more of an investment policy, as this pays out whenever you die – there is no "term" for this type.   A whole life insurance policy is more expensive in terms of premiums than term life insurance coverage.  Although more expensive than term life insurance, whole life insurance offers additional peace of mind because it pays out no matter when you die, rather than if you die within a specified period as with term life insurance.

Whatever type of life insurance you opt for, you will benefit from the reassurance that your family will not be left without a cent to their names should you die unexpectedly.   Being prepared for one of life’s unpleasant surprises and having life insurance coverage is one way of reducing the impact on your loved ones.

 

For more information please call us at (415) 876-5440.  You can request a free quote here.

 

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