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Life
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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.
We offer a wide 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. Onstad's
represents several fine carriers who offer a complete range of products.
Term Life Insurance
Protection for a specified period of time. Initial low cost. Ideal for covering
a specific need. Convertible to permanent life insurance.
Permanent Life Insurance (Whole Life/Universal Life)
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.
Ask us about:
Accelerated Benefit Option -
Enables a terminally ill person to gain access to funds while still living.
Life Changes - So Should Your Policy
Your need for life insurance is dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change as well to
adapt to your current needs. Some life changes that may require a policy "tune-up" include:
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Recently married
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Have a new child or grandchild |
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Health or your spouse's health has deteriorated |
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Providing care or financial assistance to a parent |
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Child or grandchild requires assistance or long-term care |
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Recently purchased a new home |
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Planning for a child or grandchild's education |
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Concerned about retirement income |
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Refinanced your home mortgage in the past six months |
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Recently received an inheritance
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Own a business |
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Sizeable estate |
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Health Insurance provides
coverage for your health care needs. You can purchase it for yourself,
family or employees. There are a huge variety of HMO's and PPO's available
to choose from. We have markets for Medicare Supplements and Long Term
Care as well.
We also handle
"COBRA" accounts for individuals who are coming to the end of their
COBRA benefits. We have some "Guaranteed Issue" products for
eligible applicants.
Authorized Brokers for the following
carriers
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Anthem Blue Cross of California |
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Blue Shield of California |
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California Choice |
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Health Net |
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Kaiser Permanente |
Disability Insurance provides
monthly income in case you are unable to work due to a long term illness or
severe injury. If you are not covered by Worker's Compensation you should
give serious consideration to this coverage.
Our professional agents can
help you determine the coverages and the product that best suits your needs and
your budget, for your family or your business.
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Life or Health
Insurance Quote |
We offer a variety of coverages based on your specific needs. Please e-mail
us or give us a call so we may answer any questions you have. We will be
happy to tailor make a program for you.
Frequently
Asked Questions
Life and
Health Insurance Foundation for Education - A Nonprofit
organization that provides information on Life Insurance, Disability Insurance,
Long-term Care Insurance, and Health Insurance, Small Business Planning.
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