Life Insurance Murrieta & Temecula Valley

Life Insurance

No matter if you live in high population area like San Diego or a smaller area like Temecula or Murrieta Life Insurance can be quite a touchy subject. Most people don’t like to contemplate what will happen at the end of their lives. At Granite Mountain Insurance we place the focus where it belongs, on the protection of your loved ones.

When reviewing your options we will look at your specific health characteristics before providing a Murrieta life insurance quote. Depending on the condition of your health, carriers like Hartford Insurance or New York Life Insurance can become more or less competitive. For example, smokers life insurance can have rates are nearly double of their non-nicotine counterparts. If you are motivated to quit smoking, a 10 year term insurance policy might be the best option. 12 months after your last cigarette it may be possible reassess your risk. Depending on the life insurance carrier we may be able to move you over to the non-smokers classification.

To enable to you to make an educated decision when purchasing your Murrieta life insurance policy, here are a few basic terms for review;

Permanent Insurance

Permanent insurance, such as universal life insurance or whole life insurance, provides lifelong protection. In addition to the death benefit, the policy also has a “cash value” that grows until it reaches its full value also called its maturity, typically when you turn 95.

Term Life Insurance

Term Life Insurance offers protection for a specific period of time, usually 10, 15, 20 or 30 years. One of the reasons it’s so popular is that the cost of a term insurance policy is lower than a permanent insurance policy. That’s a big plus for young families who typically have the greatest need for financial protection. Term life insurance is a great option if you need to cover a specific expense that will eventually disappear, such as a mortgage or college for your kids. The idea of course, is to make sure those expenses don’t become a financial burden for your loved ones.

Group Life Insurance

As a business professional you have worked hard to build your business to its current level of success. To ensure the continued financial stability of your hard work, it is important to consider what will transpire in your absence. The process for business owners is twofold; “will my family be able to maintain their standard of living” and “will my business be able to continue without my support?”

Many business partners overlook a critical element of their partnership agreement that can save them both money and angst: buy-sell provisions. When you create provisions for your partnership agreement, you and your partners can prepare for events that can devastate a successful business; a death, divorce, bankruptcy or retirement of one of its owners.

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