Permanent Life Insurance

        Two things make Permanent Life Insurance different from term life insurance. 

       1.    The policy is meant to last for the rest of your life (given that you make the required premium payments). 
       2.    Part of the money you pay into your permanent life insurance policy is set aside in an account where it can grow cash value that you can tap into later on. 

       There are several types of permanent life insurance, each with different advantages and options. Usually permanent life insurance costs a bit more than term insurance.

        In conclusion, life insurance gives your loved ones financial security after you're gone. You pay a monthly premium, and if the unexpected happens, your loved ones get a death benefit they can use for things such as medical bills, funeral expenses, outstanding mortgage, college tuition and even living expenses.

You can feel confident today knowing your family will be secure with the life insurance policy that you choose if they ever have to make it on their own.

        When talk to your agent, make sure that you ask as many question as you need to make the most intelligent decision for your situation. 
For more information on how to protect your family, please call us at 951 992-1450, or 213-261-5490,  ask for Sal or Rick.


Auto Insurance

Bodily Injury Liability (BI)

        The law in your state requires that any vehicle on the road carry at least the minimum legal level of BI liability coverage, but you might want to consider purchasing a higher limit in order to protect yourself from possible lawsuit that may arise from an at fault accident.

        In case of an accident where you are at fault, if people are injured, Bodily Injury Liability coverage helps protect you from bills that can include:

 

        1.    Emergency aid at the scene

        2.    Medical services and expenses for bodily injury

        3.    Compensation for loss of income

        4.    Possible Funeral expenses

        5.    Legal defense fees and/or bail bonds for anyone listed on your policy

        6.    Other expenses not listed here
 

        It can also protect you from being brought to court in order to pay for the above expenses.

Property Damage Liability (PD)

        The law in your state also requires that any vehicle on the road, carry at least the minimum PD liability coverage required by law, but you might want to consider purchasing a higher limit in order to protect yourself from possible lawsuit that may arise from an at fault accident.

        If another person's or driver's property is damaged in an accident that's your fault, Property Damage can help pay for the following:

        1.    Structural damage to homes, storefronts, etc.

        2.    Repair or replacement costs for other stationary objects

        3.    Vehicle repair or replacement costs

        4.    It can also help keep your assets safe in the event of a lawsuit resulting from a covered accident.

Other Coverage

        Collision coverage helps pay for repairs or replacement to your car if you’re in a covered accident that involves other vehicles or stationary objects.

        Comprehensive coverage helps pay for covered losses caused by natural disasters, theft, vandalism, or other similar events.

        Un-insured/under-insured motorist coverage helps protect you if the covered accident was another driver’s fault and he/she either has no auto insurance, or not enough insurance to cover the expenses.

        Medical payment coverage helps pay medical bills if you or your passengers are hurt in a covered accident. This option may also cover other members of your family when they’re driving the insured car.

        Limits of insurance determine the maximum that your insurance company will pay when you make a claim for a covered accident.

 

        Deductible is the amount of money that yow have to pay before the insurance will start to pay for the claim, up to the policy limits.