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Life Insurance

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Planning for the future can be difficult. At Austin, Reilley & Doud Insurance Services, our agents are experts on California life insurance and can help you streamline the process of selecting a tailored life insurance policy.

While it may be difficult to imagine, it’s important to prepare in advance for a time when you may no longer be around – the experienced agents at Austin, Reilley & Doud Insurance Services can assist you through this process. Our California life insurance policies are designed to help you feel more secure about moving toward the future.

At Austin, Reilley & Doud Insurance Services we can help you determine which California life insurance policy is right for you! Our dedicated team of life insurance experts understands California’s market and regulations and can find the right plan that fit your individual needs.

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  • Build lifelong base of whole live coverage.
  • Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it may make more sense to have a term life policy that covers the mortgage and living requirements until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Often times whole life policies will pay dividends – although not always.

Give us a call and let one of our expert life insurance specialists get you started on the right path. Contact Austin, Reilley & Doud Insurance Services today for more information about life insurance in California.

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