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Life Insurance California
Life insurance is a policy designed to take care of your loved ones, caring for them in the event that unforeseen circumstances occur.Studies conducted by the Life Insurance and Market Research Association has revealed that in 2012, one-third of household wives do not have any life insurance coverage. The same study concluded that many Americans are confused about selecting a life insurance policy, and also heavily overestimate the cost of a plan.
Life insurance policies are about finding the right plan that optimizes your needs. Many of those who opt for a life insurance plan actually do not cover their needs in the most efficient manner. Shana Insurance is dedicated to simplify this process for you, factoring in your needs, and of course, your budget too.
The 3 types of life insurance:
Term
This is a popular plan in which you are guaranteed financial protection for a set amount of time (i.e. 5 years, 10 years, 20 years, etc.). It’s an attractive option because rates are generally lower than a permanent option, but coverage expires once the term is completed.Universal
A life insurance policy that keeps you covered for life. This type of life insurance overage is a flexible option, generally with higher premiums than term-life insurance, but comes with a tax-deferred savings component that could accumulate wealth over time.Whole
This type of life insurance coverage is typically a fixed premium that is used to cover a lifetime. It does not offer the flexibility of a universal option, but can also function as a tax-deferred savings account, which can accumulate over time.Regardless of the plan you decide on, Shana Insurance will cover each option in detail, tailored to your specific needs that need to be met. We help find the best quotes that meet these needs as well as answer any questions you have. We even offer a quick comparison tool for you to easily browse through various quotes depending various factors. Call us today at 1-866-909-0777 for more information on life insurance coverage or for a free quote.
Obamacare
Aren’t covered under Obamacare (The Affordable Care Act)? Don’t worry, Shana Insurance has you covered.We will handle the necessary paperwork and documents that need to be completed in order to get you covered under the Affordable Care Act.
Save yourself the headache. We do the work for you, so you don’t have to spend time deciphering something that appears to be confusing. We become your agent and sort through any issues that may arise during the process.
Shana Insurance is a certified agent of Covered California.
