What are the advantages of Life Insurance?

The loss of your income to your Family or Business

will be devastating to them, won’t it? 


If you had the Goose that laid the Golden Eggs, would you insure the Goose or the Eggs?

The Goose as it produces the eggs – the income from your family breadwinner.

The fruits of your labor, a car, house, (Mortgage Life Insurance) clothes, food, education and medical bills, can be replaced by insurance, your savings, credit cards, etc.  Replacing your income requires life insurance.  Life Insurance benefits are generally income tax free. IRC Sec. 101(a)(1)  IRS.Gov  There may be estate taxes, but there are ways to minimize them.

Many of our website visitors are here to find out where their loved ones policy is.  Your survivors depend on your income, make sure that are taken care of whether you are here on earth or in heaven.  Get coverage now, so that your family knows where your policy is.   Here’s a claim paid to the wife of one of our policy holders.  View $300k Life Insurance Payment

The Family Breadwinner’s income is considered so important by the Federal Government that Social Security has some limited death benefits for your family. We can help you build on this base to fully protect your family and estate.

Seven reasons Why do you need life insurance

Increasing Cost of Dying

Click on image to enlarge

graph increasing cost of dying

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Tools to help you figure out how much you should get

Life Insurance Buyers Guide

CA Department of Insurance

NAIC Buyers Guide

NAIC Life Insurance Buyers Guide

How much  life insurance you really need?

Life Screening Form

Please complete & return and we'll search and consult for you.  Or try this one from NAAIP.org

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3 comments on “Life Insurance

  1. I travel for my business. How am I to be able to put in dates of travel, when I don’t know when I might be going abroad next?

    • certain countries pose a higher risk to travelers and residents.

      When you fill out an application for life insurance, it usually asks whether you plan to travel or live outside the US or Canada in the next two years. If you answer yes, you will most likely have to fill out a foreign travel questionnaire with your application.

      Life insurance companies generally rate countries based on attributes such as economic conditions, political stability, sanitary conditions and availability of medical resources.
      Arch Insurance

      Sample Questionnaire Banner Life GBS Insurance

      US Constitution Right to travel between states

      The Freedom To Travel Law, Section 626.9541(1)(dd), Florida Statutes, was enacted in 2006 by the Florida legislature. The law defines as an Unfair Trade Practice, the practice of limiting the life insurance coverage available to a person based on lawful foreign travel in the past. It also prohibits discrimination based on future lawful travel plans unless the insurer demonstrates that the persons who travel are in a higher risk, actuarially supportable class – insurance underwriting . Florida Right to Travel – I haven’t found a CA right to travel

      • In view of the continuing outbreak of Coronavirus Disease (COVID‐19) and the U.S. Department of State issuance of an unprecedented Level 4: Do Not Travel advisory at a worldwide level, we will postpone coverage on any individual recently returned from international travel for a period of 30 days following his or her return https://www.myprotective.com/COVID-19/

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