San Francisco, California insuranceSan Francisco, California insurance

Individual Life Insurance

life insuranceLife insurance from Broad Spectrum Insurance Services can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:

Term Life

Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1 year annual renewable term.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.

Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.

Universal Life

Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments - i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.

Whole Life

Whole Life Insurance provides permanent protection for the whole of life - from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is ever cancelled.

These products are continually changing and we can provide you with the latest information and policies available!

Individual Life Insurance Quote Request

Please take a moment to fill out the form below and one of our local insurance agents will contact you with a free, no-obligation quote. This information will be kept confidential and will be used for quote purposes only.

* Required fields.

Personal Information
Full Name: *
Address:
City:
State:     Zip:
Phone: *  
Best Time To Call:   AM   PM
E-mail Address: *

Information About You & Your Spouse
Please enter information below for all to be covered.
  SELF SPOUSE
Name: Self
Date of Birth:
Sex: M   F M   F
Marital Status: M   S M   S
Occupation:
Annual Household Income: $
Height: ft. in. ft. in.
Weight: lbs. lbs.
Have you had any of the following health conditions: Heart
Cancer
Diabetes
HBP
Heart
Cancer
Diabetes
HBP

Medical Background
Have you used any form of tobacco products? (cigarettes, pipe, chew, nicotine gum or patches) Past 60 months: Yes    No
Past 36 months: Yes    No
Have you ever been rated or declined for life insurance? Yes
No

If so, why?

 

Have you ever been treated for high blood pressure or cholesterol? Yes
No
Has any member of your family (parent or sibling) died from coronary artery disease prior to age 60? Yes
No
Is there a family history of colon or prostate cancer (for male applicant) or breast, ovarian, or colon cancer (female applicant) in a parent or sibling prior to age 60? Yes
No
Are you currently taking or have you been advised to take any prescription medications? Yes
No

If so, what type and why?

 

Have you had a DUI / reckless driving conviction in past 5 years or 3 moving violations in the past 3 years? Yes
No

Life Coverages
SELF SPOUSE
Amount of Coverage: $ $
Type of Coverage: Term
Whole
Universal
Term
Whole
Universal
Disability Income: Yes No Yes No
Long Term Care: Yes No Yes No

Additional Comments or Questions

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Please click the "Submit Quote Request" button to send your quote request. No coverage is in effect until bound by an insurance carrier. This is a request for quotation only.



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