FAQ

Have Questions?

Whether you’re unsure which life insurance plan is right for you, need help with a quote, or just want to understand your options — we’re available to answer all your questions

What is term life insurance?

Coverage Duration: Fixed term (10, 20, 30 years, etc.)
Premiums: Level (stay the same during the term)
Cash Value: None
Cost: Lowest of the three
Payout: Only pays if you die during the term
Best For: Temporary needs (e.g., mortgage protection, income replacement while kids are young)

What is Whole Life insurance?

Coverage Duration: Lifetime (as long as premiums are paid)
Premiums: Fixed and guaranteed
Cash Value: Yes – grows at a guaranteed rate and is tax-deferred
Cost: Higher than term, but stable
Payout: Guaranteed death benefit + potential dividends (from mutual insurers)
Best For: Lifetime protection and building savings you can borrow against

What is Universal Life Insurance?

Coverage Duration: Lifetime (flexible)
Premiums: Flexible – you can adjust how much and when you pay (within limits)
Cash Value: Yes – earns interest (linked to a fixed rate, index, or variable returns)
Cost: Between term and whole life, but can increase with age
Payout: Death benefit + potential cash value
Best For: People who want lifelong coverage with flexibility and potential for cash value growth

Long-Term Care (LTC) insurance?

It is a type of insurance that helps cover the cost of care when you can no longer perform basic activities of daily living (ADLs) on your own due to aging, illness, or disability. It typically pays for services such as:
Home care (help with bathing, dressing, eating, etc.)
Assisted living facility
Nursing home care
Adult day care
Memory care for Alzheimer’s/dementia

When Long term care TLC insurance kicks in?

You generally qualify for benefits when you can’t perform 2 out of 6 ADLs:
Bathing
Dressing
Eating
Toileting
Transferring (e.g., getting out of bed)
Continence

Why it is important to have long term care (TLC) insurance?

Medicare doesn’t cover long-term custodial care
Without LTC insurance, these costs come out-of-pocket
(Average nursing home cost: $90K+ per year in the U.S.)

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Reach Us

Location:

16055 Ventura Blvd #1142 Encino, CA 91316

License No: 4340257

Phone:

+1-310 770-3719

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