California Life Insurance

Take care of your family even when you can’t be with them.

While you exceed expectations in providing and protecting your family because you love them, what will happen when you’re gone? With the unfortunate fact that anything can happen, it is important to insure your family against even the most devastating losses.

With a good life insurance policy, you’ll keep protecting them long after you’re gone. By easing their financial worries at the worst time in their lives, you’ll give them one last gift.

A California life insurance policy does a lot for your family:

• Takes care of funeral costs
• Pays for your children’s education
• Takes care of the mortgage
• Pays off debt you left behind
• Makes sure your spouse can retire
• Allows your stay-at-home spouse to stay home with the kids
• Allows your working spouse to have help with the kids
• Gives your family breathing room while they process their grief

Life insurance is the last thing you’ll ever be able to do for your family. It’s a gift of financial security, freedom, and the freedom to grieve that you’re gone. You’ll ease a big burden for your family at a time when they need it most.

Who needs life insurance?

• Married couples
• Divorced parents
• Working parents
• Stay-at-home parents
• Caregivers for sick children
• Caregivers for aging parents
• Anyone who takes care of someone else
• Anyone who doesn’t want to leave family with extra bills
• The main breadwinner in a family
• Parents with kids in college
• Parents of small children
• Domestic partnerships
• Kids in college and young people just starting out

What kind of California life insurance do you need to buy?

You have two options when purchasing life insurance: term life and whole life.

Term life insurance offers a fixed rate for a specific period of time. It’s most often used to take care of  financial responsibilities.

Annual Renewable Term: Purchased one year at a time and only paid if you die during that year. This policy is renewable each year.

Level Term Life: You’re receive a fixed premium rate for  usually 10, 15, 20, or 30 years. Your premium payment is determined by the coverage you choose and your age.

Whole life insurance is a common form of life insurance. It guarantees a death benefit for the rest of your life plus a cash value account for savings. Your premium stays the same, and any payments you make over that amount are put towards your savings, which earns interest at a fixed rate.

Life insurance doesn’t have to be depressing or confusing. All you need is the desire to take care of your family. IBW will do the rest by giving you options and helping you choose the policy that best suits your family’s needs and your budget. Contact us today!