Life Insurance

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.

Term Life Insurance

Term Life insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of year; terms available are 5-30 years.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. term Life Insurance pays a death benefit only if you die during that term.

Universal Life Insurance

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

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.

Cal-American Insurance Services offers free, comparative quotes on Life insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.