The Insurance Family Blog

California Life Insurance: Achieve Certainty For Your Loved Ones

Posted by Susie Scherff on August 18, 2011 at 1:38 PM

California Life Insurance  How To Achieve Certainty For Your Loved OnesIn life, the only certainties are mortality…and uncertainty.  This oxymoronic truth abides with us all.  As mature California residents, we understand the natural limits of life.  We also know that there are ways to continue to provide for our families after we are gone.  After all, it is why we invest in life insurance.  It’s an investment in our family’s future.

There’s nothing more vexing than hearing news of a perfectly healthy loved one or friend who dies unexpectedly and prematurely.  The effects are universal, causing each and every one of us to pause for reflection.  If you have children, it is necessary to have a quality life insurance policy from a trusted provider who offers exceptional customer service.  With those prerequisites satisfied, the event of your untimely death can help provide for your family for the rest of their life, lending them an enduring peace of mind.  There really is only one reason to purchase a life insurance policy.

Considering The Variables Which Affect Life Insurance Premiums

You’re probably familiar with the usual factors that influence and eventually determine your life insurance premium.  High-risk factors include your age, driving record, whether or not you smoke and your health in general. Your occupation and whether or not you engage in dangerous pastimes (hang-gliding, for instance), addiction, genetics and hereditary disease also of these make up the algorithm that determines your premium. 

Things To Consider When Choosing Your California Life Insurance Provider

As with anything else, when we look to find a suitable provider for a life insurance policy, we look first to affordability.  Indeed, that is a primary consideration. As with any other purchase we make, it’s advisable to shop around, comparing coverage points and costs to find what fits you and your family most appropriately.  You may be considered high-risk.  In that case, look for a company that specializes in those areas to which you attribute your risk.  Whatever your case may be, choosing the right policy is one of the most important decisions you will ever make for your family.

To discuss the wide variety of life insurance options available in California, contact Sutherland-Scherff today.

Topics: Insurance, Life Insurance