Frequently Asked Questions (FAQ) About Life Insurance in California

What is Life Insurance?

Life insurance in California, as offered through, is the most affordable, responsible, and reliable method of providing for your family’s financial future at the time of your death. It also provides needed monies to cover your final expenses, such as a funeral, and the funds can also be used to pay-off outstanding debt, too. A life insurance policy, including term life, is a legally binding contract between you – as the life insurance policy holder – and the insurance company, also known as the insurer.

As the policy holder, you are required to pay a specified amount of money – called a premium – for the life insurance policy coverage. The insurer agrees to pay an agreed-upon sum of money to the policy beneficiary – usually one of your family members, such as your spouse or a child – when you die. At the time of your death, the beneficiary for your life insurance policy will receive a payment from the insurer in the amount agreed to in the policy. This payoff amount provides financial security for your loved ones, as they move on with their lives.

What is Term Life Insurance?

Term life insurance is a specific type of life insurance currently available to California residents. In exchange for the policy, the insured agrees to pay monthly premiums for the coverage. The length of the policy – the term for the policy – varies according to your specific needs. At, our term life insurance experts will be glad to review your individual situation and identify term life insurance policies that provide you and your family with the coverage you need.

What is Hybrid Life Insurance?

A new – and very popular – form of term life insurance, hybrid life insurance policies offer a blend of insurance benefits for loss of life and additional benefits that are limited to cases of accidental death and dismemberment (AD&D). Hybrid policies are affordable and are usually available within 24- to 48-hours of application. A medical exam is not required for a hybrid life insurance policy, but you may choose to have one. If you do have a medical exam, depending on the results, the life insurance percentage of your coverage will increase, while your AD&D coverage decreases. Your overall total benefits remain the same.

What is Mortgage Life Insurance?

Mortgage life insurance is a form of term life insurance. In the past, mortgage life insurance was a policy that paid directly to the mortgage holder, paying off the mortgage on the policy holder’s home. But with today’s mortgage life policies, your beneficiaries – likely your spouse or children – receive the benefits and decide how to use the money they receive. A mortgage life insurance policy, purchased through, is one more way of protecting your family and providing for their needs, even after you are gone.

What is Accidental Death and Dismemberment – AD&D – Insurance?

Accidental Death and Dismemberment insurance – often referred to as AD&D insurance – is available as both a separate policy or as an addition to an existing life insurance policy. AD&D insurance provides benefits if you, as the policy holder, are killed or lose a limb or your sight as a result of an unforeseeable accident. There is also coverage if an accident leaves you paralyzed.

A California AD&D insurance policy is very affordable and there is no need for a medical exam in order to purchase the coverage. Your AD&D policy will provide benefits in addition to any regular life insurance you already have, giving your loved ones additional funds to help with their financial situation in the event of your accidental death.

Who Qualifies for AD&D Insurance Coverage?

Most California applicants for accidental death and dismemberment – AD&D – insurance coverage are accepted. The coverage goes into effect usually within 24- to 48-hours. An even greater benefit of California AD&D coverage: it is very affordable and works with almost everyone’s budget.

Who Needs Life Insurance?

Everyone needs life insurance. Whether you’re young or old, married or single, a parent or not, having a life insurance policy means that your loved ones won’t be stuck digging into their own pockets or going into debt in order to pay for your funeral or settle any debts you have left behind at the time of your demise. Life insurance is an investment in your family’s future well-being and the right policy will save your loved ones from financial anguish and stress at a painful time in their lives. Contact our local California life insurance experts, today, to find the right policy for you and your family.

Do I Still Need Life Insurance if I’m Single?

Yes, you do. Even if you are single, someone is going to need to pay for your final expenses, and you don’t want to leave your family struggling to come up with money to pay for your funeral costs and other end-of-life bills. You owe it to your loved ones to take care of such matters, so they can deal with their grief and not be stressed about money at such an emotionally painful time.

What Are the Different Types of Life Insurance?

At, we offer five major types of life insurance. Which type of policy is right for you will depend entirely on your specific circumstances and needs. Our California life insurance experts will take the time to review your situation and identify which type of policy, including the following, is right for you:

  • Term Life Insurance – an insurance policy that covers a set time period, or term, these policies are very affordable.
  • No Medical Exam Term Life Insurance – one form of term life where you don’t have to see a doctor and provide medical records in order to purchase a policy.
  • Accidental Death and Dismemberment Insurance – often referred to as AD&D insurance, these policies pay additional benefits in the event that the policy holder is killed in an accident, such as a car crash, accidental drowning, falls, and so forth. They also pay a stated amount if the policy holder has a limb amputated in an accident.
  • Hybrid Life Insurance – a special offering through, a hybrid life insurance policy offers almost immediate – usually within 24-hours – coverage, based on your response to several simple, health-related questions. You are then offered the option, entirely at your discretion, of having a medical exam. The results of the medical exam may increase your death benefit, or they may not. With a hybrid life insurance policy, you receive both term life coverage and an accidental death benefit rider.
  • Mortgage Life Insurance – a form of term life insurance, today’s mortgage life insurance policies are paid directly to your beneficiaries and they decide what to do with the funds they receive. They may choose to pay off their mortgage on your family home or they may decide that paying off other debt is more essential. The choice is theirs.

How Do I Decide Which Type of Life Insurance is Right for Me?

Our life insurance experts at review your unique situation, assess your needs, and then find you the right life insurance policy. We know the insurance companies, we know the policies they offer and the requirements for each policy, and we work with you to identify exactly which form of life insurance will meet your needs. We are not going to sell you a policy you don’t need or pressure you into a policy purchase that isn’t right for you. We’re here to help you identify the life insurance policy that is precisely what you require to protect your loved ones at the time of your death.

How Much Life Insurance Do I Need?

That’s a tricky question to answer, because there’s no single right answer. We all have different life insurance benefit needs and that’s why it’s essential to work with experienced California life insurance experts to review your individual situation and determine how large of a policy is needed to ensure that your loved ones’ needs are more than adequately met. We have developed a special calculator that you can use to estimate the right coverage amount, but you’ll be best served by contact and letting us perform a thorough review to identify your specific life insurance requirements.

Do I Have to Have a Medical Exam to Get Life Insurance?

Absolutely not. The days of embarrassing, intrusive, frustrating medical exams in order to purchase life insurance are now in the past. While the most favorable policy premiums might be only available with a medical examination, there are many life insurance policies that don’t require such. Call our life insurance experts, today, for more information on such policies.

How Long Does it Take to Get a Life Insurance Policy?

While most life insurance policies take between four- to six-weeks to go into effect, due to waiting for a medical exam review and medical records to be sent and evaluated, at, we offer life insurance policies that can be issued within 24- to 48-hours. These policies are very affordable and easy to obtain. Call us for more information.

Can I Choose a Charity to Be My Life Insurance Beneficiary?

Of course. If you are charitably-minded, making a decision to have your benefits paid out to a charity of your choosing – likely one that you supported in life – is an excellent decision. It’s a fitting tribute to the cause that you believe in and is likely to be well-received by the charity you select as your beneficiary.

Why Should I Choose for My Life Insurance?

At, we want to help you find the right life insurance policy for your circumstances. We don’t have an aggressive sales approach and we won’t pressure you into purchasing a policy that you don’t need. Instead, we’ll work with you to identify your unique situation, evaluate the needs of your survivors, and then find the perfect life insurance policy that is affordable and that gives your loved ones the financial security that they deserve.

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