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Life Insurance and Financial Planning

Why Do I Need Life Insurance?

No one knows when the unexpected can occur. While unexpected loss isn't part of anyone's personal plans, it should always be considered in our financial plans. The death benefit protection offered by a life insurance policy can be a key component of a sound financial plan. It can offer income protection to guard our loved ones standard of living or estate liquidity to protect assets from the erroding effects of taxes, as well as pay for any expenses your family will incur after your death, including:

  • Mortgage or rent payments
  • College tuition for your children
  • Monthly bills, expenses, and childcare costs
  • Funeral expenses, estate taxes, and final medical expenses
  • Auto loans, credit card balances, and bank loans
  • Retirement funding for your surviving spouse

Life Insurance Products

Term Life Insurance - An economical type of life insurance; provides death benefit coverage and premium payments are guaranteed to remain level for a specific period of time. Request a quote today.

Universal Life Insurance - A flexible type of life insurance policy; provides both a death benefit and has the potential to accumulate cash value. The policyholder has the right to borrow or withdraw from any available cash surrender value. Request a quote today.

Life Insurance Comparison Chart

Feature Term Life Insurance Permanent Universal Life Insurance
Term of Policy 10, 15, 20, 30 years Lifetime
Policy may build cash value No Yes
Designed for low cost premium payments Yes No
Flexible payment terms and premium amounts No Yes
Policyholder has the right to borrow or withdraw from any available cash value No Yes

Cities Served: Menlo Park, Redwood City, Atherton, San Carlos, San Bruno, San Mateo, Burlingame, Foster City, San Francisco, Brisbane, Belmont, Los Altos, Los Altos Hills, Sunnyvale, Mountain View, Cupertino, Saratoga, Half Moon Bay, San Jose, Campbell, Los Gatos, Milpitas, Santa Clara

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