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Life Insurance Information
Life insurance is one of the most important insurance policies you can purchase. It protects your family if anything happens and you’re no longer able to provide for them.
Academy West Insurance is dedicated to making sure you find a policy that covers your family without draining your pocket. Life insurance doesn’t have to be expensive or complicated. Call us at (559) 875-7700 or fill out an online form for a free quote to protect your family today.
How Does Life Insurance Work?
Like with any other policy, life insurance policy owners pay premiums in exchange for coverage. Unlike most insurance policies, however, life insurance provides a payout at the end of coverage. If the policyholder passes away, the insurance company will provide compensation, called death benefits, to the beneficiaries listed on the policy. Beneficiaries are typically family members and spouses. There are two main types of life insurance policies:
Term Life Insurance
A term life insurance policy is set for a determined amount of time, such as 5, 10 or 20 years. This is useful if you want to carry coverage until your children graduate college or pay off certain loans.
Whole Life Insurance
Whole life insurance is just as it sounds: it is designed to cover the policyholder until they pass away. As expected, the premiums for a whole life insurance policy tend to be more expensive than for a term life insurance policy.
The cost of life insurance depends on a variety of factors, such as the policyholder’s gender, age and health. Women tend to pay lower life insurance premiums, as they have a statistically higher life expectancy than men. For example, the average cost of a life insurance policy for a woman at 40 years is about $180 for a 20-year term policy and $2,766 a year for a whole life insurance policy. Meanwhile a man at the same age and the same policy limits will pay an average of $210 for a 20-year term policy and $3,191 a year for a whole life insurance policy.
Protect Your Family Today
Family is incredibly important, and you should rest easy knowing they’re covered if anything happens. Speak with an insurance professional at Academy West Insurance at (559) 875-7700 or fill out a form for a free California life insurance quote to insure your life today!
Frequently Asked Questions
How Many Life Insurance Policies Can You Have?
You can choose to carry more than one life insurance policy. Employers often offer life insurance, and you can easily have their coverage as well as your own separate policy. You can also have multiple term life policies. The amount you can purchase depends on if you are purchasing from multiple insurers or one, so be sure to speak with an insurance expert before deciding on multiple policies.
Why is Life Insurance Important?
When you pass, there’s a risk of leaving your loved ones with great financial burden. The cost of funeral services, a casket and any left-over debt you accrued will all rest on your family’s shoulders without a life insurance policy. A life insurance policy will help with the costs you leave behind once you’re gone.
How Much Life Insurance Do I Need?
The amount of life insurance you need depends on your specific needs. Call an Academy West Insurance agent at (559) 875-7700 to talk about your unique life insurance needs.