Orange County Insurance broker

Life Insurance Saves Lives!

Orange County life insurance

Life insurance¬†policies can be a life saver for your family in the event you pass and there aren’t many savings. Just think how helpful it would be to your wife and children or relatives if there is significant money that comes in to assist them with their living expenses when you pass. Accidents and sudden health issues can arise at a snap of the fingers. You can never be prepared enough. This type of insurance will cushion the financially and emotionally heavy burden that your passing may cause.

Types of Plans You Can Buy

Life insurance can be divided up into two types. Term life and Whole life also called permanent insurance, and universal life. Our products for groups are different from individual plans.

Term Life Insurance is the most basic type of life insurance and pays out during the term of the policy which is usually up to 30 years. This type of insurance comes in two simple types- level term and decreasing term.

  • Level Term offers the same death benefit throughout the policy term
  • Decreasing Term is a policy where the death benefit falls year after year over the course of the duration of the policy.

Whole Life Insurance /Permanent Insurance/ Universal Life Insurance

Whole life also called permanent or universal, makes payouts whenever the term holder dies. With the classic or traditional whole life insurance plan, the death benefit and premium insures at the same level throughout the entire policy term. However, the payouts increase by $1000 as the insured ages and the amount becomes higher as the insured grow in age. For this type of insurance, your premiums will be higher in the beginning to compensate for the latter payouts. As an alternative, the policyholder will be able to withdraw cash from these types of policies when overpayments reach a certain amount.

We Have Life Insurance Professionals Ready to Help

Whether you apply for term life or whole life, not knowing or understanding what plans to purchase can be challenging. This is why our professionals are ready to answer any questions and direct you to the perfect policy that you need. Read our life insurance tips for some tidbits of helpful information.

If you would like to purchase quality life insurance, please contact our office to speak to one of our qualified experts. Call us today at: 949-450-1822

Our service area includes :
Aliso Viejo, Anaheim, Anaheim Hills, Balboa, Balboa Island, Brea, Buena Park,Capistrano Beach, Corona Del Mar, Cypress, Costa Mesa, Coto De Caza, Cypress, Dove Canyon,Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, La Habra, Lake Forest, Las Flores, Los Alamitos, La Palma, Midway City,Mission Viejo, Newport Beach, Newport Coast, Orange, Placentia, Portola Hills, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana,Stanton, Seal Beach, Silverado Canyon, Sunset Beach, Tustin, Tustin Ranch, Villa Park, Westminster, Yorba Linda. All of California.
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Business Hours
  • Mon-Fri 8:00am - 6:00pm
  • Sat 10:00am - 5:00pm
  • Sun By appointment
  • Phone: 949-450-1822
Our Location
629 Camino De Los Mares, Suite #202B
San Clemente CA 92673
Recent Reviews
- Unity One Insurance Services Inc. - 629 Camino De Los Mares, Ste. 202B San Clemente, Orange, CA 92673 California Insurance License# OC79860