Are you searching for an individual life insurance quote? Are you looking for a life insurance agent located in Yuba City, CA? If you want to work with Yuba City’s highest-rated agency, call Oakview Insurance Services, Inc. at (530)674-5054. We have the largest carrier selection, that basically guarantees the best combination of coverage and price.
Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost-effective ways to protect the people who depend on you the most.
Unlike Farmers Insurance, Allstate Insurance, USAA Insurance, State Farm Insurance, or AAA Insurance, we work with actual life insurance companies. These companies push life insurance and are incentivized to sell it, if fact they have quotas. Oakview agents don’t push life insurance, nor are we incentivized to sell it. We are advisors, and here when you need us. So, not only do we have better rates, but often our policies carry more bells and whistles like living benefits. Plus you won’t ever get a strong arm pitch.
Oakview Insurance Services, Inc. has been providing life insurance to the residents of Yuba City, Marysville, Sutter, Plumas Lake, Wheatland, Gridley, Live Oak, Olivehurst, Natomas, Lincoln, Roseville, Rocklin, Sacramento, and every city throughout CA for 11 plus years.
Click here to get started today https://www.oakviewins.com/life-rater/
Our Life Insurance carriers include the likes of AIG Life Insurance, American National Life Insurance, John Hancock Life Insurance, Transamerica Life Insurance, Banner Life Insurance, Assurity Life Insurance, Genworth Life Insurance, Guardian Life Insurance, Voya Life Insurance, Lincoln Financial Group Life Insurance, Protective Life Insurance, and Principal Life insurance to name a few.
So, why should you purchase life insurance? Consider these 3 scenarios:
- What would happen if you died prematurely, what would happen to your family? Could they maintain their current lifestyle?
- Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?
- Do you have a child, are you married, or are you carrying debt? If so, purchasing life insurance is a no-brainer.
If you have all three, well, hopefully, you already have life insurance. Here are a few other reasons to purchase life insurance
- income replacement
- retirement planning
- college savings
- charitable donations
- pay federal death and estate taxes
- create an inheritance for your heirs
- pay final expenses
Oakview makes buying life insurance easy
We have access to a wide range of life insurance companies. This allows us the ability to survey the marketplace and based on your individual rating criteria, find the best possible policy and best price. Life insurance pricing is based on two main variables — your age, and your health.
When purchasing life insurance there are a few things to consider. Do you want a Term Life Insurance Policy or something that will last forever like a Universal Life Policy? If you don’t understand the difference that’s okay. That’s what we’re here for.
Our life insurance specialists can also help with the following solutions
- Disability Insurance (for say Dr.’s and Lawyers etc.).
- Long Term Care Insurance
- Cash value plans like IUL’s, UL’s, and GUL’s
So, how much life insurance do you need?
A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.
One of the benefits of working with an independent agent like us, is that we can conduct a comprehensive needs analysis. Then we determine the exact amount of coverage you’ll need. That way in the event something happens to you, your policy will help protect the people who depend on you.
The amount of coverage you need depends on a number of different variables. Here are a few examples:
- how many children you have
- your future earnings potential
- are you married or single
- spouses future earnings potential
- you and your spouse’s age
- amount of debt you have
In conclusion, if you’re looking for a life insurance quote, get started today by clicking the link below. Or, call us for a free consultation.
Either way, we’ll make the process simple!