Insurance often helps us prepare for risks like car accidents, fires, or other unexpected events. One risk many people prefer not to think about is leaving their loved ones without the financial support they depend on.
Life insurance can help provide financial protection for your family and the people who rely on you. While we can’t predict the future, we can take steps today to help protect the people who matter most.
Below you’ll find information about different types of life insurance and how each one may help meet different needs and goals.
If you'd like to discuss your options, feel free to call 559-655-1111. We’re always happy to help.
Protecting your family’s home takes more than a good alarm system. For most of us, a home is the most expensive purchase we ever make, and a mortgage the biggest debt we’ll ever pay. Life insurance proceeds can help your family keep the home you worked hard for. Contact me today to help financially prepare for tomorrow.
Food, clothing, vacations, education… there’s no question, raising a child is a huge financial commitment. Life insurance proceeds can help financially support those you leave behind so a personal tragedy doesn’t become a financial one. Let me help so you can evaluate your needs and choose a solution.
Who depends on your income today, and in the future? Are you building a nest egg for your spouse? Supporting a loved one with special needs? Applying for life insurance today could help you provide them with financial support when you’re no longer here. I can help as you determine what sort of life insurance you need, and how much coverage you want.
People can be a business’s biggest asset, and its biggest expense. Life insurance can help you cover your business against the loss of key employees, help fund the transfer of a business when one owner or partner dies, or help you retain valuable employees as a long-term benefit. As a business owner myself, I understand just how important planning for these issues can be.
The simplest type of life insurance, and usually the least expensive to start. • Provides coverage as long as you pay the premiums, typically up to age 90. • Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age. • Can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes.
Like whole life, universal life insurance offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums3, and allows you to adjust the death benefit amount. • You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there’s enough value in the account to cover the deductions. • You can build more cash value by paying more premium. • When times are tough, you can reduce or even pause premium payments as long as there’s enough cash value to cover policy costs.
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Jose Arreola Agency
673 Oller Street, Mendota, California 93640, United States