Life insurance and health insurance, Medicare Advantage Plan, Long Term Care, Group Insurance, Home & Auto Insurance
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner.
Life insurance pays out a death benefit to your beneficiaries in the case of premature death. Health insurance, on the other hand, helps pay for medical expenses such as doctor's visits, hospital stays, medications, tests, and procedures. This helps ensure that people can afford their medical expenses and stay healthy
A Long-Term Care (or LTC) rider is an optional add-on to a life insurance policy that will provide financial benefits to the insured in the event they require hands-on daily care when unable to provide it for themselves. You can use your life insurance policy to help pay for long-term care services. Long-term care helps meet health or personal needs. A rider is an insurance policy provision that adds benefits to or amends the terms of a basic insurance policy. Riders provide insured parties with options such as additional coverage. It can be added to policies that cover life, homes, autos, and rental units.
A chronic illness rider is an add-on for your life insurance that pays you a benefit should you be diagnosed with a qualifying chronic illness.
A long-term care (LTC) rider is a rider attached to a permanent life insurance policy that accelerates the death benefit to help pay for the costs of long-term care services for chronically ill insureds.
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40335 Winchester Rd Ste E
Temecula CA 92591
Call Us Any time At 800-503-5876