Life Insurance

What Should You Purchase with O.Jones Agency?

At the O. Jones Agency, we know it’s difficult to imagine a time when you won’t be there to help provide for your family. That’s why we offer a suite of life insurance products designed to help answer your Life insurance requirements, at any stage of life. Whether you’re a new family, empty nester, business owner, or single parent, O. Jones & Associates has a life insurance product perfectly suited to meet your needs and budget.

Protect your family with the right Life Insurance

By preparing in advance, you’ll have the peace of mind that comes from knowing you’re protecting your family’s financial future. And since life insurance benefits are generally not taxable at the federal level, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.

Life insurance protects your family and business in a number of ways:

  • Any needs after the time of death, such as final illness expenses, burial costs and estate taxes.
  • Funds for a readjustment period, to finance a move, or to provide time for family members to find a job.
  • Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

F.A.Q

Term Life Insurance

Term Life Insurance

Term Life Insurance is the perfect choice when you need temporary coverage. In addition, term life insurance typically provides more value for your dollar than any other type of life insurance product. You can easily renew many term policies and even convert them to permanent coverage with the same premium cost for the life of the policy.

 

Whole Life Insurance

Whole Life Insurance

Whole Life Insurance covers you for your entire lifetime. You’ll often guaranteed a set premium for the entire life of the policy. Because you pay premiums your entire life, whole life policies actually accrue cash value that you can borrow from at any time — at low interest. If you die with a loan against your whole life policy, the unpaid amount is simply deducted from the benefits.

 

Universal Life Insurance

Universal Life Insurance

Universal life policies combine the lifetime protection and cash value accumulation with the term insurance flexibility to adjust premiums and benefits. In essence, universal life is a whole life insurance product that lets you adjust premiums and benefits to fit the changes in your life as you grow older. You get all the benefits of term insurance — adjusting coverage as your needs change — with all the benefits of whole life insurance with an outstanding cash accumulation program.

 

Life Insurance in Los Angeles

Life Insurance in Los Angeles