Life insurance from Cal-American Insurance Services can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

There are variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs.

Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments- i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part.

Whole Life Insurance provides permanent protection for the whole of life- from the date of policy issue to the date of the insured’s death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy’s life.  Whole Life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source of living benefits, for example, helping pay off a mortgage, or a child’s education, or cash surrender value if the policy is ever canceled.