CA Life Insurance

Prepare for the future with life insurance. California residents can count on Heffernan Insurance Brokers for guidance.

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. Do you know which CA life insurance policy type is right for you? At Heffernan Insurance Brokers we can help.

Our dedicated team of CA life insurance professionals understands California’s market and regulations and can find the right plan – or mixture of plans – for your specific needs. Don’t get lost in the intricacies of life insurance. California insurance agency, Heffernan Insurance Brokers offers the following life insurance programs:

Term Life Insurance Basics:

• Coverage for a “term” or period of your life.
• Lower premiums for higher coverage.
• Rates can change after specific terms expire.
• No equity – cannot be used as cash value.

Whole Life Insurance Basics:

• Exactly like it says – permanent, not for a specific period.
• Protection carries with you your whole life.
• Can build equity and have cash value.
• Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

• Build lifelong base of whole live coverage.
• Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life policies will pay dividends - although not always.

With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right CA life insurance quote for you. The peace of mind you will feel knowing that your beneficiaries are protected if something happens to you is incomparable.

Call Heffernan Insurance Brokers today for more information about life insurance. California adventures are waiting for you!