Harvest Insurance Agency can protect your family with affordable life insurance.

Life Insurance

California Life Insurance – Whether it’s protecting your family or business, covering a debt or mortgage, or funding a college education or retirement, life insurance is an essential tool to provide you and your family with financial peace of mind.

Harvest Insurance Agency offers a variety of term and permanent life insurance policies including those that provide discounted rates for nonsmokers and people with good health histories. Let us help select the right policy for you.

Term Life Insurance Checklist:

• Protection for a specified period of time
• Initial low cost
• Ideal for covering a specific need
• Convertible to permanent life insurance

Permanent Life Insurance Checklist:

• Protection for your entire life
• Flexible premiums and coverage amounts
• Competitive interest rates in a tax-deferred environment
• Accessibility to cash values
• Unique policy guarantees

Harvest Insurance Agency is here to help you with customized life insurance needs. Let one of our experienced agents help you select the right policy for your specific situation.

Life Insurance Terms:

Beneficiary:

A person named by the insured to receive the benefits or proceeds from an insurance policy.

Claim:

A demand made by the insured, or the insured’s beneficiary, for payment of benefits provided by an insurance policy.

Insured:

The party covered by the life insurance arrangement, to whom an insurer agrees to provide benefits or render services.

Life Insurance:

A policy that guarantees the payment of a stated amount of monetary benefits upon the death of the insured to a designated beneficiary, typically a family member or business.

How to save money on your life insurance policy:

Paying for life insurance is an expense, but few can do without it. The key is to buy life insurance for those losses, such as your income, that you or your family can not replace. Avoid narrowly defined life insurance policies that only cover specific loss of life, such as accidents, plane crashes or cancer. You’re better off with insurance for any loss of life for a small increase in premium.

Don’t skimp on life insurance. To determine the amount of a life insurance policy, estimate your dependent’s living expenses if your income is no longer available. Most life insurance consultants estimate five to ten times your annual income.

Harvest Insurance Agency is an Independent Agent, representing a number of quality life insurance companies. Let us help you select the best company for your needs — to protect you and your business.