Life Insurance

Choose the Right Life Insurance Plan for You

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  • Whole Life - permanent coverage that builds guaranteed cash value over your entire lifetime
  • Term Life - coverage for a specified length of time that usually has no residual cash value.
  • Variable Life - coverage which includes variable investment risks and returns
  • Universal Life - a type of whole life coverage offering flexible premiums and other options

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    Life Insurance Policy

    Life Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.

    AdvoCare Insurance Services is your reliable source for affordable life insurance for residents of California. We have the expertise to help you select a life insurance policy that is best suited for you according to your lifestyle and budget. Our online quote engine allows you to compare hundreds of quotes from the most popular California life insurance plans with ease. Each carrier that we work with is competing for your business resulting in higher quality plans at the lowest possible rates. What's more, our quotes and advice come at no cost or obligation to you.

    Types of Life Insurance

    Whole Life Policies

    Whole-life policies are a type of permanent insurance that incorporates life coverage with an investment fund. With this kind of policy, you are investing in a policy that pays a stated, fixed amount upon your passing and portion of your premium will go towards building cash value through investments made by the insurance company. Cash value increases over time and is tax-deferred annually, and you can also borrow against the cash accumulation account without paying taxes on it. The total amount you pay out typically will not change through the entire life of the insurance policy.

    Universal Life Policy

    Universal life is a permanent insurance policy that combines term insurance with a money market-type investment, which pays the industry rate of return.

    Variable Life Policy

    Variable life and variable universal life are permanent policies that have an investment fund associated with a stock or bond based mutual-fund investment. Returns are usually not guaranteed.

    Term Life Insurance

    Another type of coverage is term insurance, which doesn't have an investment component. You are purchasing life coverage that lasts for a pre-arranged time period, as long as you continue to pay the monthly premium. Although this annual-renewable term policy is purchased year-by-year, you do not have to re-qualify every year by showing proof that you are in good health. When you are young, monthly premiums for annual-renewable term insurance are very inexpensive - as little as a couple of hundred dollars per year for $250,000 worth of coverage. As you become older, the monthly premiums gradually increase. Level-premium term has somewhat higher, but fixed, premiums for longer periods of anywhere from five to thirty years

    Join the ranks of California residents who have found full and affordable life insurance plans. Simply fill out our life insurance quote form to start comparing rates side-by-side. You can also call 1 (800) 536-7522 to speak directly with an agent about the life insurance options available to you.