The Insurance Family Blog

In life, the only certainties are mortality…and uncertainty.  This oxymoronic truth abides with us all.  As mature California residents, we understand the natural limits of life.  We also know that there are ways to continue to provide for our families after we are gone.  After all, it is why we invest in life insurance.  It’s an investment in our family’s future.

For those sensible people among us, life insurance is something we all take out at some point. But is there a standard formula for life insurance premiums, or do Californians need to speak to a professional for advice? Is it better to take out term or whole life insurance? We examine the factors.