Services We Provide
Determining the type of insurance to offer requires that you know the amount of coverage needed. Term insurance is
appropriate for people with a large insurance need for relatively short periods of time or who need permanent
protection, but cannot afford the premiums for permanent Life insurance. In the latter case, term insurance is
maintained until cash flow would permit permanent insurance to be purchased. Permanent insurance is used to cover
those expenses that will remain throughout the insured’s lifetime or for an indefinite duration, while providing a cash
value or accumulation account that can be used for emergency cash or provide future income. Here are some of the
products we offer:
appropriate for people with a large insurance need for relatively short periods of time or who need permanent
protection, but cannot afford the premiums for permanent Life insurance. In the latter case, term insurance is
maintained until cash flow would permit permanent insurance to be purchased. Permanent insurance is used to cover
those expenses that will remain throughout the insured’s lifetime or for an indefinite duration, while providing a cash
value or accumulation account that can be used for emergency cash or provide future income. Here are some of the
products we offer:
 | Term Life- Term Insurance: The simplest form of life coverage. A life insurance policy which provides a stated | |
| benefit upon the holder's death, provided that the death occurs within a certain specified time period. However, the policy does not provide any returns beyond the stated benefit. |
| Whole Life- Permanent form of life coverage that is provided for the insured's lifetime. Whole life plans build cash | |
| value that the policy owner may borrow during the insured's lifetime, at a reasonable rate of interest. If there is an outstanding loan at the time of the insured's death, the death benefit is reduced by the loan amount. |
| Universal Life- Permanent form of Life coverage that offers a great deal of flexibility to the policy owner. Premium | |
| payments may be varied, death benefits may be changed, partial surrenders are allowed, and cash value may be accessed either through loans or direct withdrawals. Premium payments are deposited into an accumulation account where mortality charges and administrative charges are deducted monthly. Any remaining amount to the accumulation account is credited with interest. The policy's flexibility allows the policy owner to make, within IRS limits, contributions in excess of regular premium payments, which may substantially increase the policy's cash value; cease making premium payments for a period of time; change the death benefit options; and request partial surrenders. |
| Annuities- A living benefit. A policy under which an insurance company promises to make a series of periodic | |
| payments to a named individual in exchange for a lump sum payment or a series of payments. |
Please contact us for more information.
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732 N Lake Avenue, Suite 101
Pasadena, CA 91104
T: 877-300-2942 Office: 626-798-8970
F: 877-300-2969 License: 0E63206
Pasadena, CA 91104
T: 877-300-2942 Office: 626-798-8970
F: 877-300-2969 License: 0E63206