Whole life insurance · Salinas and Monterey County
Whole life insurance that lasts your entire life
Permanent coverage with a premium that never goes up and cash value that grows over time.
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We'll compare whole life plans from several companies and show you the cost, the cash value and the trade-offs.
Licensed California life insurance agents · CPIS
How whole life works
Coverage you can't outlive
As long as you keep paying your premium, whole life insurance stays in force for your whole life. Part of each payment builds cash value that grows at a rate set in the policy.
Level premiums
Your premium is set when you buy the policy and doesn't increase as you get older.
Cash value you can use
You can borrow against the cash value under the policy terms. Loans you don't repay reduce the death benefit.
A legacy for your family
Whole life is often used to leave money to children, cover final costs or support a spouse.
Whole life insurance questions
Is whole life insurance worth it?
It can be, if you want coverage that never expires and steady cash value. It costs more than term for the same amount, so we'll show you both side by side.
How does the cash value work?
Part of your premium goes into cash value that grows over time at a rate set by the policy. You can borrow against it, and some policies may also pay dividends, which are not guaranteed.
Whole life or IUL?
Whole life offers fixed premiums and fixed growth. An IUL has flexible premiums and growth linked to a market index, with caps and a floor. We'll help you decide which fits your goals.
Other ways we can help
Term life insurance
Affordable coverage for 10, 20 or 30 years, so your mortgage, bills and kids are covered if something happens to you.
Learn more: Term life insuranceIndexed universal life (IUL)
Lifetime coverage with flexible premiums and cash value growth linked to a market index, with a floor that protects against market losses.
Learn more: Indexed universal life (IUL)Final expense insurance
A small whole life policy that pays for the funeral, burial and final bills, often approved with a few health questions and no medical exam.
Learn more: Final expense insuranceAnnuities
Fixed and fixed indexed annuities that protect your principal and can pay you an income for as long as you live, backed by the insurance company that issues them.
Learn more: AnnuitiesRetirement and 401k/403b rollovers
Changing jobs or retiring? We'll help you understand your rollover options and plan the income you'll need in retirement.
Learn more: Retirement and 401k/403b rollovers
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We're based in Salinas and serve families across Monterey County and California.
Serving Salinas, Monterey County, California
Hours
- Monday
- 9:00 AM – 5:00 PM
- Tuesday
- 9:00 AM – 5:00 PM
- Wednesday
- 9:00 AM – 5:00 PM
- Thursday
- 9:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday
- Closed
- Sunday
- Closed