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Life 2017-12-28T01:08:13+00:00

Life insurance is for the people that live.

Life Insurance

If you have a family, chances are you need life insurance because it provides cash to your family after your death. This cash, known as the death benefit, replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses, mortgage payments and college funding. What’s more, there is no federal income tax on life insurance benefits.






Term Life

Temporary period of time 10-30 years usually, premium returned if you don't die during that term

Premium Term Life

Return Of Premium Term Life Temporary period of time 10-30 years usually (lowest cost)

Whole Life

Provides a lifetime death benefit for a set premium amount and builds cash value you can use while you're living

Life Insurance

If you have a family, chances are you need life insurance because it provides cash to your family after your death.

Guarantee Universal Life

Guarantee Universal Life provides a lifetime death benefit.

Universal life

Universal life insurance policies provide the flexibility to build your policy’s cash value or focus more on guaranteed protection.

Index Universal Life

Index Universal Life provides a lifetime death benefit.

IUL Policies

IUL Policies link the growth of policy value to the percentage change of one or more widely-followed financial market indices such as the S&P 500® Index, Nasdaq-100®

Most Common Types of Life Insurance

  • Term Life– Temporary period of time 10-30 years usually(lowest cost)
  • Return Of Premium Term Life– Temporary period of time 10-30 years usually, premium returned if you don’t die during that term
  • Whole Life– Provides a lifetime death benefit for a set premium amount and builds cash value you can use while you’re living
  • Guarantee Universal Life– Provides a lifetime death benefit. Universal life insurance policies provide the flexibility to build your policy’s cash value or focus more on guaranteed protection.
  • Index Universal Life– Provides a lifetime death benefit. IUL Policies link the growth of policy value to the percentage change of one or more widely-followed financial market indices such as the S&P 500® Index, Nasdaq-100®

What Client’s Say

Mike is very knowledgeable about all the insurance services offered & can help evaluate your policy to save you money. I would recommend him to friends & family.
Jack O., San Fernando, CA