California Insurance Guru

The insurance industry in the State of California is regulated under Part 2 of the California Insurance Laws.  Life insurance claims procedures and policy requirements are in place to protect you, the consumer. California law provides consumers a “free look” period of 10 days in which to decline or accept a life insurance policy.  Many companies […]

Term policies provide life insurance for a specified period of time.  They provide money in the event of death, but offer no cash value.  Term policies are to be considered if you have a limited amount to spend.  Keep in mind, the cost of term insurance increases as you get older. Today’s Term insurance is […]

Term policies provide life insurance for a specified period of time.  They provide money in the event of death, but offer no cash value.  Term policies are to be considered if you have a limited amount to spend.  Keep in mind, the cost of term insurance increases as you get older. Today’s Term insurance is […]

When buying life insurance, you want a policy that fits your needs at a reasonable cost.  First, you will want to determine how much life insurance you need.  Next, you need to decide how much money you can pay toward your life insurance policy.  Finally, you must choose the type of policy that meets your coverage […]

When buying life insurance, you want a policy that fits your needs at a reasonable cost.  First, you will want to determine how much life insurance you need.  Next, you need to decide how much money you can pay toward your life insurance policy.  Finally, you must choose the type of policy that meets your coverage […]