Find a Life Insurance Policy to Protect Your Family
Joseph Insurance Broker offers access to a number of life insurance plans. Work with our life insurance agent, Peter Joseph, to choose a life insurance policy that will meet your needs and provide some peace of mind for your family after your passing. Peter is contracted with AIG, Ethos, Protective Life, Mutual of Omaha, Gerbers, American National and Forresters Group.Our plans offer great coverage and there are options at varying price levels. To learn more about life insurance/annuities and the plans available to you, call our office today at 714-473-8086.
Insurance Carriers We Offer
Term Life Insurance
Term life insurance policies guarantee a death benefit to the beneficiaries. When the policy’s term expires, the policy can be either converted into permanent life insurance coverage, renewed, or allowed to terminate. The only value in a term life policy is the death benefit.
Whole Life Insurance
Whole life policies include not only a death benefit but also have a savings component as well. This savings component can build in value over time and allow the policyholder to withdraw funds by borrowing against the plan. In many cases, whole life plans can provide an additional flow of cash that the person covered by the policy can use to offset financial challenges. Whole life insurance policies cover the policyholder as long as the premiums are maintained.
What a time to be confused.
Whether you’re new to Medicare, working during retirement, or coming off an employer plan, you probably have questions about your Medicare options. Most people do.
For example, can you answer these questions―
- How do you do a cost-benefit analysis for Medicare?
- What steps must you take before applying for supplemental benefits?
- If you’re working past 65, should you stay on your company health plan?
- What is that infamous “donut hole”?
- What are the rules governing Cobra and enrollment in Medicare Part B?
If you’re perplexed by any of these questions, give us a call. We can help.