Personal Life Insurance

Life insurance products can be very complex, and there is a wide range of options. As a purchaser, you have a unique life situation, age and income level to take into account. I have been a life insurance broker since 1990, and I have a deep understanding of the suitability and benefits of the various life insurance products. I will start by getting a clear understanding of your goals and objectives, as well as your current health status and any medical conditions. I will then work closely with the life insurance underwriters to get the best possible product to meet your needs.

After we determine the amount of life insurance you need, I can help you decide the type of life insurance to purchase. Some life insurance policies provide coverage for a lifetime (permanent insurance) while others will cover you for a specific number of years (term insurance). Some policies build up cash values, while others do not. Some policies may offer benefits; such as the ability borrow against your policy’s cash value, while you are still living.

There are two basic types of life insurance: (I) term insurance and (II) cash value insurance. Term insurance generally has lower premiums in the early years, and does not build up cash values within the policy. Cash value insurance has more expensive premiums in the early years of the policy, and builds cash value within the policy that can be used in a variety of ways.

For more information about life insurance, and to get a personalized quote, please contact me, Cristy Jones, at Cristy Jones Insurance Services: (415) 460-1200 or email: [email protected].