What is Life Insurance?

Interested in helping to protect your loved ones’ financial future, but not sure where to begin? We’ve put our experience and expertise to work for you, your family or your business. With the James Jenkins Agency, you’ll be able to determine:

• What type(s) of Life Insurance is right for my needs?
• How much coverage do I need?
• Which riders or endorsements should I select?
• What can I do to maximize my cash-value growth?

We understand that life insurance is a personal decision, and not one to take lightly. That’s why we work so hard to be knowledgeable and professional, able to help you with the information, experience, and personalized service you need to through the Life Insurance process.

Common Types of Life Insurance

• Term Life Insurance

  Term Life Insurance policies generally offer the greatest amount of coverage for the lowest initial cost – they are the most straightforward form of coverage. If you have shorter-term needs and limited money to spend on insurance, a Term Life insurance policy may be the best fit for you. Policyholders generally pay a premium on a monthly or annual basis for the length of that term. Proceeds help to cover financial responsibilities that decrease or end over time, like mortgages or car loans, should something happen to the insured. With Term Life policies, premiums can increase at the end of the fixed-term period.

  Term Life Insurance policies are typically used to help provide additional Life insurance coverage during child-raising years, to help pay for short-term debts, help pay off a mortgage, or fund a college education should something unexpected happen. A Term Life policy can also be an excellent compliment and supplement to a permanent policy like an Indexed Universal Life or Variable Universal Life.

• Indexed Universal Life Insurance

  Interested in permanent life insurance to help support your family’s financial future? Looking for a policy which may accumulate cash value you can use for future needs? Index Universal Life can help balance both. Not only does it provide universal life insurance coverage, but the policy’s index-linked accounts provide more potential for cash value growth than traditional universal life insurance, with less risk than variable universal life insurance.

  The IUL insurance policy may accumulate cash value over time. This value can help you with your family’s financial needs, and you may even access the cash value while the policy is in force to help with expenses now.

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(562) 426-0491
3520 Long Beach Blvd., #104
Long Beach, CA 90807
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