We offer a full range of TERM LIFE insurance policies. Contact a Calstate professional and you can discuss exactly which policy is right for you and your family.

TERM LIFE INSURANCE OFFERS SECURITY FOR YOU AND YOUR LOVED ONES...

Life insurance is an important part of your financial plan, and now there is a fast, easy way to get exactly the coverage you need. Choose from a variety of Term Life Policies offered by CALSTATE insurance.

Get fast quotes selected from among the top Term Life Insurance companies, and choose the policy you want. Apply right over the inter­net. Get the most competitive rates anywhere! Any time of day, seven days per week, in the pri­vacy of your home or office-it's fast, simple and convenient. And if you have any unanswered questions, we'll be glad to meet with you in per­son or over the phone. Protect the ones you love. Affordable policies are available even for many who have been turned down before.

Take the hassle out of buying life insur­ance. Visit our web site today  and discover for yourself how simple and inexpensive buying insurance really is.

Now you can get insurance right over the internet. Review fast quotes selected from among the top Term Life Insurance companies, and choose the policy you want. You can't buy these policies for less anywhere else! You'll get the lowest rates available from A rated or higher companies. Any time of day, any day of the week, in the privacy of your home or office; it's fast, simple and convenient. And if you have any unanswered questions, your agent will be glad to meet with you in person or over the phone.

Protect the ones you love. Affordable policies are available even for many who have been turned down before. Take the hassle out of buying life insurance. Visit our web site listed below and discover for yourself how simple and inexpensive it really is.

Get the Convenience of the Internet, and the Security of a Local Agent.

 

 

Q. How long do I need protection?

A. The number of years' coverage you need depends on several things, but the most basic consideration is how long you expect your beneficiaries to be dependent upon your income. If your spouse is your beneficiary, you should consider being covered until you plan to retire. If it's your children, you'll probably want to protect them until they're 18 or finish college. To cover a mortgage, choose a policy that will be in place for at least the length of the loan. Depending on your age, you can purchase policies guaranteed for 10, 15, 20, or even 30 years.

Q. Should I get coverage for my spouse?

A. The need for Term Life coverage applies equally to income-earning spouses, and there are strong arguments for acquiring life insurance for a partner who is not drawing an income as well. For instance, losing a stay-at-home spouse can lead to dramatically increased child-care costs, time away from work for the surviving spouse, final expenses, the settling of outstanding debts, and these are just the financial aspects of such a serious loss. The rule of thumb is to get at least 50 percent of the term life coverage for a stay-at-home spouse as for the primary breadwinner.

Q. Should I get a policy for my kids?

A. None of the companies we represent offers separate policies for children, but many do have inexpensive 'child riders'. Usually, for one flat fee applied to the parents' coverage, each of your children (current and future) can be covered for up to $10,000. Ask your personal representative about the options available in your state.

Q. How much Term Life Insurance do I need?

A. Since life insurance replaces lost income if something happens to you, the proceeds from your policy should be enough to cover immediate expenses as well as to provide continuous income for your beneficiaries. Most financial planners recommend coverage that's 5 to 10 times your annual income. For example, if you make $50,000, you might consider coverage between $400,000 and $600,000. If you're younger and just starting a family, you might need as much as 15 times your income to allow for salary increases. Since individual needs vary, we recommend that you speak to one of our licensed agents to help you determine what's right for you. We also recommend you consult your attorney or financial advisor for professional legal, tax and financial planning advice.