Life insurance

Life insurance is an essential financial tool that can provide peace of mind, and security for you and your loved ones.

When it comes to family protection, Life insurance can help ensure that your family is taken care of financially in the event of your untimely death. As your Expert Advisors, we're dedicated to helping you safeguard your family's future through comprehensive Life insurance solutions.

The death benefit can be used to pay off debts, cover funeral expenses, pay estate taxes, distribute assets to your chosen beneficiaries, and replace your income. This can help your family maintain their standard of living and avoid financial hardship.

By providing you with the best Life insurance options available, we’ll empower you to make the best financial decisions for your family's future by protecting your assets, and providing for their long-term financial security.

Life insurance is financial security and peace of mind for you, and your loved ones.

Life Insurance options

  • Term Life insurance

    Term Life insurance is a great solution for people who want to help with financial obligations and goals that may have an end date, such as paying off a mortgage or for a child’s college education. Term life insurance can also be popular for people who want a large amount of coverage Term life insurance is the simplest type of life insurance coverage. It pays a death benefit to your beneficiaries if you die during the term of your policy. You typically choose a length of time during which your policy premium won’t increase — such as 10, 20 or 30 years.

  • Whole Life insurance

    Whole life insurance can help you provide financial support for yourself and your loved ones. With guaranteed level premiums and guaranteed accumulation of cash value as long as those premiums are paid on time, it may offer you and your family a source of financial support to pay for future expenses — from college tuition to retirement income. It is designed to last your lifetime, which means that, as long as you pay your premiums, your beneficiaries will receive a payment based on the amount of your coverage.

  • Universal Life insurance

    Universal life insurance is a type of permanent life insurance. It is designed to last your lifetime2 and to help you provide support for your beneficiaries after you die. It comes with more flexibility than whole life insurance, because you can change the premium you want to pay, the timing of your payments and your death benefit while your policy is in effect. As your needs and priorities change, a universal life insurance policy lets you adjust your coverage and premiums, too, within policy limits.

What’s the best Life insurance for you?

Through thoughtful consideration, and detailed assessment, we’ll make sure you have the best Life insurance policy - perfectly tailored for you, and your loved ones.

Where you get your Life insurance coverage matters

Some employers offer a certain amount of Group Term Life insurance as part of their employee benefits package, however your policy’s face value may not be high enough. Even if you are able to buy additional coverages through their plan, the coverages may not meet your needs. If you have dependents who rely on your income, you need coverage worth at least 5 times your annual salary. Anyone with a non-working spouse, a sizable mortgage, a large family, or special-needs dependents, requires additional coverages. And you never want any gaps in your Life insurance coverage. If you change jobs, are laid off, or are reduced to part-time status, then you could lose your employer-provided Life insurance.

We recommend that you supplement your employer-sponsored Life insurance with an independent policy of your own. Your independent Life policy can be customized and tailored to meet your exact needs and offers greater coverages. The most important part? It won't be contingent on your place of work.

We can review your existing policies to make recommendations on how to supplement your employer-sponsored coverages to ensure you have what you need.

Is Your Life insurance policy up-to-date?

It’s vital that your Life insurance policy be reviewed annually to ensure that it still meets your family's needs with regards to coverages, beneficiaries, and more.

Your Life insurance beneficiaries - Who are you leaving behind?

While you're not legally required to name a beneficiary in your Life insurance policy, it's a big mistake not to. If you fail to name a beneficiary, the death benefit will typically default to your probate estate. This means your loved ones will need to hire a lawyer to petition the court, and probate your estate to claim the proceeds.

This process always means a significant delay as the probate process in California can take as little as nine months, but that is rare. It typically takes around eighteen months, and complicated cases may take as long as two years or longer. For that reason, you should always name a beneficiary.

It's equally important that you review and consider updating your beneficiaries when you experience major life events such as marriage, a birth in the family, dissolution of marriage or domestic partnership, or death in the family. 

Contact us to review and update your beneficiary information.

Know your choices when choosing your beneficiary/beneficiaries:

  • One person

  • Two or more people (and how the benefit is split among them)

  • The trustee of a trust which you have established

  • A non-profit or charity

  • Your estate

Other key considerations:

  • Have a backup by naming a secondary beneficiary. 

  • Do not name a minor as your primary beneficiary as many states require they be 18 or 21 to receive the benefits. A good solution is to set up a trust that receives the life insurance death benefit which can then be structured to arrange pay-outs.

  • Keep your policy up-to-date as life changes can constitute a good time to make adjustments to your named beneficiaries.

  • Make sure your beneficiary is aware that they have been assigned as such.

  • Be careful with your language when either naming beneficiaries directly by name, or by choosing a group designation.

  • Ensure your will matches your policy as your life insurance beneficiary designations overrule any will.

Naming your beneficiaries

Estate planning is one of the most important things you can do to help protect your family’s future and how to leave your legacy, however it can be an incredibly difficult topic for many people. It's best to be transparent with your executors, trustees, agents, and trusted family members, and to have your arrangements well thought out and in place.

Part of your Estate Plan can be Planned Giving.

Also referred to as Legacy Giving, is a donor’s intention to contribute a major gift to an organization, through a will or trust once the donor has passed away. Most planned gifts contributed by donors are in the form of Life insurance, equity, or real estate holdings

One of the major benefits of planned gifts is that they provide a promise of future funding for an organization. Many charitable or non-profit organizations will help you by providing clear instructions on how to arrange your planned gifts.

Leaving your legacy with Estate Planning

Our Expert Advisors are experienced Life insurance agents, and can help you navigate the arrangement of your end-of-life plans, an vital part of your estate planning.

With advance preparation and clear directives, you can relieve your family of the burden of making difficult decisions during an emotionally challenging time.

Accidents Happen Preparation = Peace of Mind

We’ll help you and your loved ones prepare for the unexpected.

It's a fact of life that accidents happen, and while we can't foresee them, you can prepare for them by supplementing our existing Life insurance policy with an Accidental Death policy.

Accidental Death insurance is an extra layer of coverage the unintentional death of the insured. This supplemental coverage is a sound idea if you have loved ones who are financially dependent on you, or if you simply want to help provide for your heirs in the unlikely event of an accident.

Accidental Death insurance provides a death benefit to your beneficiary should you die an accidental death. This insurance can serve as a standalone policy or as a supplement to a life insurance policy, and can be a very cost-effective way to get more Life insurance coverage. Accidental Death insurance can provide benefits in the event of a covered accident. Proceeds may be paid up to $1 million in certain circumstances .

Please contact us to determine if this coverage is right for you, and to learn more about any exclusions.

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