San Diego is an expensive city to live in. We know. We’re local.
Life insurance is one of those things that provides for a family when the worst happens. The higher the cost of living, the more helpful this can be.
We started out offering life insurance in San Diego years ago before it was easy to help people online. Our goal is to find the right product to create peace of mind for each family.
We promise to find the best insurance for your family at the lowest cost.
We believe that every family deserves the peace of mind that comes with financial stability. Life insurance is a part of that financial foundation. No matter what happens, easing financial stress makes everything a little more manageable.
How Much Life Insurance Should You Have?
Way back when, insurance salesmen would go door-to-door. Rather than asking a series of complete strangers about all their financial details, they used a quick method of multiplying someone’s income by anywhere from 3 to 20 times.
This doesn’t fit with all families.
Now, it’s easy to calculate how much life insurance you need on your own. A tool, like our life insurance calculator, will account for all of the variables unique to your family. Things like debt, number of college-bound children, or current safety net all get taken into account.
This way, you know exactly how much your family needs. You can adjust these numbers as you test premiums with the Instant Quotes tool to see what fits your family’s needs and budget.
What Kind of Insurance is Best?
There is no universal best type of insurance. The best coverage for you will depend on what you’re looking to do with it.
For someone looking at life insurance as an estate planning tool, permanent life insurance like whole life or indexed universal life would make the most sense.
For someone looking to provide for their family in case something happens during their working years, term would save a bunch of money over a couple of decades.
The best place to start is deciding whether your reason for insurance is a permanent or temporary one. From there, you can look at the types of term or permanent insurance that will serve you best.
What About No Exam Life Insurance?
No exam life insurance tends to be more expensive, but not in every case.
While the company will still ask medical questions and look at the Rx database to check your health history, you get to skip the entire paramedical examination.
For many professionals, taking even an hour off to get the exam done is simply unrealistic. Other people avoid the exam because of an extreme aversion to needles.
It’s worth looking into, but if you want to save the most money possible on insurance premiums, taking the exam can save you thousands of dollars.
What About Life Insurance That Covers Pre-Existing Medical Conditions?
Any health history adds another consideration when shopping around for the best life insurance rates.
Every company (and there are over 850 in the U.S.) has different underwriting guidelines determining what they charge for each condition.
The smartest thing to do is tell your agent about any previous or current medical conditions. Then they can direct you toward the insurance companies with the best rates for those conditions.
Companies have a significant variation on how much they charge for specific conditions. One company might not accept applications from anybody with one condition. In contrast, another company will barely give it a passing glance.
Inconveniently, they seldom say what conditions they’re good about covering on their website. The only way is to look at recommendations from medical organizations and use your insurance agent’s experience and inside knowledge.
If this is the beginning of your research into life insurance, we encourage taking the time to understand as much as possible about how life insurance works. It can be a complicated endeavor.
Here are some quick links to other sections on varying uses for life insurance and ways to make sure you spend as little money as possible:
You can also look into how much it might cost you with the Instant Quotes tool. It’s the easiest way to see rates right now from the leading life insurance companies. Rates are set by the insurance companies so you won’t find a lower rate for the same policy.
Finally, give us a call with any questions at 858-703-6178. We’re always happy to help, and there’s never any obligation to buy.