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Life Insurance

from Circadian Insurance Brokers

Life Insurance

Protect Your Loved Ones If the Worst Happens

If you were to pass away unexpectedly, what would happen to your loved ones? Would they be able to remain in your home? Would they find themselves in a financial catastrophe?

You can take care of them and give yourself peace of mind by having a life insurance policy. This type of insurance pays out in the event you pass, and it makes life in your absence less stressful for your beneficiaries, such as your spouse or children.

Many of our clients in California are prompted to think about buying a life insurance policy when a major life event occurs:

  • Adopting a child, giving birth, or welcoming grandchildren
  • Marriage, divorce, or loss of a spouse
  • Health challenges or a serious illness
  • Buying a home
  • Starting a new business
  • Retirement
  • Family member becoming unable to care for themselves
  • Enlisting in the military
  • Joining a high-risk profession

Understand the Different Types of Life Insurance Available

Have you been confused about the various types of life insurance? Don’t let that keep you from getting the policy you need. Our independent agents at Circadian Insurance Brokers want you to understand the following:

Term Life Insurance

Most people who are buying life insurance for the first time start here. Term life insurance is a policy that covers you for a certain period of time only. That’s what makes this option less costly for most folks. If you decide you want to upgrade to a more permanent policy, a term life policy can be converted.

Whole Life Insurance

Whole life insurance is valid for your entire lifetime. This type of coverage is also considered an investment, as it accumulates value over time. The longer you have a whole life insurance policy, the more it’s worth.

Universal Life Insurance

Similar to whole life insurance, universal life coverage has greater flexibility when it comes to premiums. However, this type of life insurance accrues cash value differently than whole life insurance.

Still have questions about what type of life insurance meets your unique situation? We’d be happy to talk more about it with you. Get in touch online for a quote, or call us at 925-417-8500 today. You’ll appreciate knowing your loved ones will be taken care of when you’re no longer with them.