Just Us Insurance is a Life Insurance Broker in Chula Vista – We Can Help You Provide Protection For Your Loved Ones or Business
Oftentimes, life insurance is used to free families from estate taxes and other end of life familial responsibilities. Responsible income producers can assure their families that the lives of their loved ones can continue in its intended trajectory by receiving the benefits of life insurance. When the deceased are essential employees or cause companies to lose important services or income, these businesses can be remunerated for the losses by having the appropriate life insurance policies.
There Are Different Kinds of Life Insurance to Choose From
There are several forms of life insurance that in some situations are very different. The common kinds of life insurance are term and whole life, universal, and joint and permanent life insurance. Term life insurance policies have a set timeframe limit on the coverage period.
Find a Whole Life Insurance Agent in Chula Vista
Whole life insurance policies have guaranteed premiums, cash value and death benefits. As whole life policies grow, policy holders can be compensated by receiving dividends, or by raising the death benefit that is paid to named beneficiaries or that value can be used to escalate the policy’s value while the insured is still living. Term and whole life are both considered permanent life policies.
Just Us Insurance is a Chula Vista Insurance Broker in That Will Explain the Benefits of Universal Life Insurance
Universal life insurance policies can be used to increase assets or have an emphasis geared more toward guaranteed protection. Guaranteed protection allows the policyholder to choose the term schedule and repayment structure from the outset. As long as the premium schedule is adhered to, the protection is guaranteed. The policyholder can select a universal policy that accrues a rising cash value. This permits the premium and the death benefit to be changed with few restrictions. This means value can be added to the policy in a tax-deferred manner. This allows contributions to the policy to grow tax-free and the value and terms to be altered to reflect the rising value. Joint policies reflect a blend of these policies in different iterations.
Why Should You Use a Local Insurance Broker in Chula Vista?
Insurance brokers are permitted to provide information pertaining to any area of the insurance industry. Insurance agents are only free to go over the benefits of the products that they offer.
INSURANCE SERVICES IN Chula Vista
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It is necessary to be able to select from a number of insurance products to evaluate what is pertinent to them. The broker will be able to institute the necessary components into the type of protection that affordable life insurance offers.
Contact Just Us Insurance Today.
