Life Insurance Quote Forms
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Life Insurance Information
A life insurance policy is essential for the financial protection of you and your loved ones. While it is not easy to talk about death, it’s essential to get covered for the financial stability of your loved ones upon your passing.
If you live in or near Rancho Cordova, California, our agents can help you out. At LM Financial & Insurance Services, we guarantee that, with the help of our experienced agents, we will be able to guide you in choosing the proper life insurance coverage for your situation. We prioritize taking care of you as well as your family’s future.
Call us today at 916-635-4066 or visit our website to get a quote on a life insurance policy.
How Does Life Insurance Work?
A life insurance policy is a designated sum of money, commonly known as a death benefit, given to a beneficiary of your choice upon your death. This money is there to assist your beneficiary or beneficiaries financially after your death. It provides peace of mind knowing that your loved ones will be taken care of.
How Much Life Insurance Do I Need?
The amount of life insurance you need is entirely up to you. To find the right amount of coverage, it’s crucial to weigh your dependents’ current lifestyle and spending needs against their future sources of income and assets. Based on some basic financial information, such as your current annual gross salary, the number of years you have until retirement and your short-term and long-term expenses, we can help you figure out how much your family will need to replace this lost income should something happen to you. Our experienced agents will make sure that the benefit is sufficient for your loved ones and affordable for you.
What Is Whole Life Insurance vs. Term Life Insurance?
There are two primary types of life insurance.
Term Life Insurance: A term life policy provides a death benefit to your loved ones if you die during the policy’s term. This term might be a period of 10, 20, 30 or more years, depending on the expiration date of the policy. If you do not die during this time, then the policy does not pay. You will also have to reapply for a new policy if you want to continue to have coverage.
Whole (Permanent) Life Insurance: Whole life policies last for the remainder of your life once you enroll. They will not expire unless you stop paying for them. Additionally, these plans offer cash value investment opportunities, and the cash value component can enable you to receive a source of income during your lifetime (in addition to the eventual death benefit).
Speak to one of our agents to learn more about which type of policy is best for your needs.
How Much Does Life Insurance Cost?
Life insurance tends to differ depending on the person. Coverage options may vary depending on your age or location, as well as other demographics. Our experienced agents will help you find an affordable policy so that your family will be financially protected for years to come.
Contact Us Today
At LM, we will ensure you have adequate coverage that is also affordable. The financial safety of your family is our chief concern, and our agents will guide you in picking the right policy. Visit our website or contact us at 916-635-4066 for a quote on a policy today.
Find the best rates on Life Insurance in your area!
For additional information about Life Insurance, call 1-800-748-5538 or contact us!