Life Insurance

Life Insurance is not complicated or expensive when you work with one of our licensed sales representatives. Let's explore options to protect your loved ones.

What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

Los Angeles insurance agency, Ideal California Insurance Agency has been an insurance agency since 2000 with a strong background in life insurance. We can compare life insurance options for you whether you have perfect health, are a smoker, diabetic; have cancer or many other pre-existing conditions with hard to place risks. We are an independent insurance agency, which means we work for you and are not an employee of any particular insurance company instead have access to all of the reputable life insurance companies. As a result, by going through us, you can save the time and the extra efforts of shopping, as we will do the work for you! Give us a call at toll free 1-800-257-4102 to compare free life insurance quotes from all of the decent insurance companies in one simple step, or simply complete a short one page form on our website and we will respond to you promptly.

Ideal California Insurance Agency, can offer you a full-service insurance agency. Here are a few reasons why other internet clients choose us:

  • EXPERIENCE – in insurance since 2000
  • NDEPENDENT ADVANTAGE – access to all the reputable insurance carriers to offer the best coverage, plan and price
  • PROPER COVERAGE – Ideal California Insurance Agency does not believe in underinsuring just to offer lower prices
  • SUPERIOR CUSTOMER SERVICE – under promise and over delivery which results in 90% of our clients insuring more than one line of insurance with us
  • LOWER COST OF INSURANCE – volume discounts, get more for your dollar
  • LOCAL PRESENCE – We can help you on the phone or make house visits

Whether you need term life insurance, universal life insurance, or any other classes of term or permanent life insurance we will search for the best options from several different insurance carriers. Our clients benefit by having affordable life insurance, guaranteed universal life insurance and mortgage protection life insurance policies.

Ideal California Insurance Agency listens to you to understand you better and compare life insurance quotes in order to provide affordable life insurance with sufficient term life insurance. Hundreds of new clients every day from the internet come to us for insurance with different needs such as individual life insurance, life insurance for estate conservation, life insurance for college funding, mortgage protection life insurance, charitable giving by life insurance, life insurance buy-sell funding for businesses, executive bonus life insurance, key person life insurance and more.

At Ideal California Insurance Agency, a Los Angeles insurance agency, you know that all of your life insurance needs are taken care of. Along with outstanding customer service, we offer you the peace of mind that you can have both the proper life insurance coverage and lowest life insurance rates.

Our insurance agency goal is to perform above and beyond your expectations so that you can remember and recommend us to your friends, family and business associates for all of your life insurance needs.

We would like the opportunity to meet with you so we can properly review your life insurance options and to share with you ways to actually be approved for the best plan and pricing. Lets be in contact to set up something soon.

Common Types of Life Insurance

Term Life Insurance
  • Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Whole Life Insurance
  • Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Universal Life Insurance
  • A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.
Variable Universal Life Insurance
  • Variable Universal Life Insurance is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner. The 'variable' component in the name refers to this ability to invest in separate accounts whose values vary—they vary because they are invested in stock and/or bond markets. The 'universal' component in the name refers to the flexibility the owner has in making premium payments. The premiums can vary from nothing in a given month up to maximums defined by the Internal Revenue Code for life insurance.

    Contact us to learn more about the right life insurance for you.
(818) 241-4515​
201 North Brand Blvd
Suite 200
Glendale, CA 91203​
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