Santa Barbara Life Insurance
Give your family peace-of-mind and financial security by setting up a life insurance policy that will cover expenses should the insured party pass away. We offer multiple coverage options to fit your budget and priorities.
Term Life Insurance
Term life insurance policies have a premium that is set for a specific amount of time – usually 10, 20 or 30 years – and remains the same price during that time. If the policy expires before you, the rates will typically increase as your chance of death also increases.
Whole Life Insurance
Whole life insurance policies insure you throughout your life, you just have to maintain the same premium rate to continue coverage. Whole life insurance also eventually accumulates a cash value that you can access later in life if necessary, effectively serving as a savings account.
Universal Life Insurance
Universal life insurance policies are similar to whole life as they are intended to cover you over your entire lifetime, however the rates are flexible and can go up or down depending on your level of coverage. Universal life premiums are usually higher than term life because it covers your entire life.
Let us answer any questions you have to find the best life insurane policy for you! Call to speak to one of our agents: (805) 963-4048.