Premium Value Term Life Insurance
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Life Insurance
In the event that something unfortunate happens, life insurance would provide a safeguard for your loved ones and your family’s financial security in the long run. At KCAL Insurance, we understand that purchasing life insurance is a very important decision for your family.
No matter what you need—keeping your family financially secured, planning ahead for your retirement and your children’s education, or passing on your wealth—we promise to find the best plan for you, your family, and your budget.
Our Products
- One-stop smart comparison across multiple A-rated insurance companies in the U.S. – choose the plan that fits you best;
- No medical exam, instant coverage – no waiting required;
- Transparent pricing, high value – $2/day for $500,000 coverage at age 40;
- Flexible and renewable – adapt your coverage as your needs change.
- Most affordable and innovative term life insurance;
- Tax-free death benefits and financial support before death;
- Chronic, critical or terminal illness benefits, long-term care and other living benefit riders.
- Solid coverage during the term of coverage with a forced savings account;
- Guaranteed benefits to your family to if anything unfortunate happens to you;
- Get your premium back, tax-free, at the end of the term.
- Potential cash accumulation based on a major market index, with protection from losses due to market downturns;
- Cash value is available to you through withdraws or loans;
- Tax-free death benefits;
- Chronic, critical or terminal illness benefits, long-term care and other living benefit riders.
- Earn interest and accrue cash value on a tax-deferred basis;
- Chronic, critical or terminal illness benefits, long-term care and other living benefit riders;
- Tax-free death benefits;
- Combine with term life coverage for more premium discounts.
- Get lifetime coverage with fixed premium;
- Accrue cash value (or dividends) on a tax-deferred basis;
- Allows you to borrow against cash value.
- Designed for those who need assistance in performing Activities of Daily Living (ADLs);
- Help with the expensive and rising cost of long-term care that is not covered by regular personal health insurance, Medicare or Medicaid;
- Cover services that occur in a nursing home, assisted living facility, or your own home.
- Compensate a portion of lost income when the policyholder is injured and unable to work.
Example
Sam (36 years old) and Julie (34 years old) have two daughters, five and three years old. They bought a house five years ago, leaving a 25-year mortgage. Both Sam and Julie work and rely on their incomes for their living expenses and to meet their financial goals. Sam and Julie both find it necessary to have a total of $550,000 in insurance coverage that their whole family can rely on, if something unfortunate happens:
• A whole life policy with $150,000 in coverage as an alternative source of income to keep the family financially secure, if something unfortunate happens during their lifetime.
• A 25-year term life policy with $200,000 in coverage as an alternative source of payment to pay off their house loans, if something unfortunate happens during their lifetime.
• A 20-year term life policy with $100,000 in coverage as an alternative source of funding to pay for their younger daughter’s college education; and a 17-year term life policy with $100,000 in coverage for their older daughter’s college education.
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