We Offer The Most Competitive Term Life Insurance Policies On The Market In california|silicon valley|nationally
When you shop for term insurance in California you want to know that you’re dealing with high quality insurance companies.
After all, life insurance is simply a promise to pay a benefit to someone else when you’re gone. Doesn’t it make sense to invest your premiums with a life insurance company with a proven track record? We know it does based on our experience helping families build strong financial safety nets since 1985.
Families have trusted us to help them navigate the complicated maze of life insurance underwriting and policy selection for over 30 years.
We’ve helped hundreds of families locally and nationally make sure that there is sufficient money available to them when something bad happens to breadwinners, whether they get sick or hurt. CB Acker Associates will help you and your family find the best life insurance policy for your situation, whether it’s 10 year term insurance or universal life plans. We will listen to you and make only the most appropriate recommendations.
When you get your instant term insurance quote on the right-hand side of this page, you’ll be asked to submit your name and contact information.
Please understand that we will not sell your information to any third party lead companies. You WILL NOT BE CALLED BY A BUNCH OF AGENTS!
We’ve been in your shoes! What you WILL get when you get your quote is a spreadsheet of term life insurance options specifically customized to your own search terms. If you want nothing but 10 year level term policies to choose from, that’s all you’ll get. There will be NO “up sell”. We will send you an email acknowledging your quote request and a courteous inquiry as to whether you would like to speak live to us.
Chris Acker, CLU, ChFC is the owner/broker and he will personally answer any questions you may have.
There is no pressure to buy a term insurance policy on the spot. If you’d like to wait and discuss your options with your significant other, no problem. The quote engine is here to use and you can play with numbers and scenarios as much as you need in order to feel completely comfortable with any decision you make–it’s that simple and painless! We promise! So get started now and find out just how easy it is to get term life insurance check this task off your list!
Frequently Asked Questions about Term Insurance in California
Q1: How much term insurance coverage do I need in California?
Determining the appropriate coverage amount for term insurance in California depends on various factors, such as your financial obligations, future expenses, and income replacement needs. Consider factors like outstanding debts (mortgage, loans), educational expenses for children, and the standard of living you wish to provide for your family. Consulting with a licensed insurance agent or financial advisor can help you assess your specific circumstances and calculate an appropriate coverage amount.
Q2: Can I convert term insurance into a permanent policy in California?
Yes, many term insurance policies in California offer the option to convert to a permanent policy. Conversion privileges vary among insurers, so it’s important to review the terms and conditions of your policy. Typically, conversion options allow you to convert your term insurance into a whole life insurance or universal life insurance policy without the need for a medical examination. This can be beneficial if you decide to extend your coverage beyond the initial term or if your circumstances change.
Q3: Is term insurance the right choice for seniors in California?
Term insurance can still be a viable option for seniors in California, depending on their specific needs and circumstances. While term insurance premiums tend to be higher for older individuals, it can still provide valuable coverage. Seniors who have financial dependents, outstanding debts, or estate planning considerations may find term insurance beneficial. However, it’s important to compare different policy options and evaluate whether other types of insurance, such as guaranteed universal life insurance, may be more suitable for seniors in California.
Q4: What factors influence the premiums for term insurance in California?
Several factors impact the premiums for term insurance in California:
- Age: Generally, the younger you are when you purchase term insurance, the lower the premiums will be.
- Health: Your health condition and medical history play a significant role in determining your premiums. Insurers may require a medical examination or request medical records to assess your health status.
- Coverage amount: The higher the coverage amount you choose, the higher the premiums will be.
- Term length: Longer-term lengths may result in higher premiums compared to shorter-term lengths.
- Lifestyle factors: Certain lifestyle choices, such as smoking or engaging in high-risk activities, may lead to higher premiums.
Q5: Can I buy term insurance in California if I have pre-existing health conditions?
Yes, it is possible to obtain term insurance in California even if you have pre-existing health conditions. However, it’s important to note that pre-existing conditions may impact the cost of premiums or the availability of certain coverage options. Insurers may require a more detailed assessment of your health condition and may charge higher premiums based on the risks associated with your condition. Working with a knowledgeable insurance agent can help you navigate the options available and find a policy that suits your needs.