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What Is Life Insurance? 

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner.

Common Types of Life Insurance

Term Life Insurance
Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Whole Life Insurance
Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.

Universal Life Insurance
Universal life insurance is permanent life insurance that has an investment savings element and low premiums. Most universal life insurance policies contain a flexible premium option. A policyholder will pay taxes on any withdrawals they make from the excess cash value of the universal life insurance plan.

Contact us to learn more about the right life insurance for you.
(310) 367-3351
DC Insurance Services
13636 Ventura Blvd #165
Sherman Oaks, CA 91423
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Life Insurance Quote 

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