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Life Insurance


Life Insurance provides financial support for loved ones in the event of your passing. It can cover anything from final expenses to ensuring your family is well provided for in your absence. Life insurance can also cover key employees of a company guaranteeing the company remains viable in case they are lost. Life insurance is surprisingly affordable and the coverage invaluable.

Term Life Insurance is the most popular form of Life Insurance. It is not only the most inexpensive coverage; it also provides the full face amount from the day the policy is placed in force. These policies are purchased for a certain time period, usually for about 20 or 30 years, and have level premiums throughout the duration of the policy. Most people who purchase term policies intend to cover their loved ones for a particular time, such as putting a child through college, and base the face amount on such an event.

Advantages of Term Life Policies:

  • Lower premiums
  • Premiums remain level throughout the term of the policy
  • Face amount is payable immediately

Permanent Life Insurance plans, also known as whole life or universal life policies, build up cash value over a specified amount of years. These polices tend to cost more, but they provide coverage over the duration of the insured’s lifetime. Funds can be withdrawn prior to the death of the policyholder, but will be taxed accordingly.

Advantages of Permanent Life Policies:

  • Policy can last 100 years or more (if desired)
  • Policy builds up cash value over time
  • Cash Value is tax deferred (unless withdrawn earlier)

Would your loved ones be financially stable in the event of your passing? Make sure they are well protected by obtaining a life insurance policy today. Contact a Health Exchange Quote agent and they will be happy to assist you in finding the right Life Insurance policy for your needs.

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Laguna Niguel, CA 92677

Telephone: (800) 366 2751


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