California Life insurance coverage

Request a Quote

Life insurance coverage

Life Insurance

In the event of death, life insurance will pay a lump sum to your beneficiaries. It is crucial to have life insurance because it gives you a sense of security to know that your beneficiaries will be financially stable to some extent if something were to happen with you. This will also help cover any final expenses, such as funeral arrangements, etc. We understand the importance of obtaining life insurance here at Seacliff Insurance and Financial Services. We want to help serve all residents in California.

Is life insurance required?

Life insurance is not required in California. This is an optional type of insurance. Most people go without it but have to pay out of pocket for funeral expenses, etc., if they do not have insurance or any finances saved up prior.

Coverage Options

The good news is that you get to choose just how much life insurance you think you need and select a plan accordingly.

Term life and cash value life insurance are the main two types of life insurance options you can choose from. Term life insurance policies are only for a certain amount of time. You can choose to have this plan for just five years, ten years, or maybe even twenty years. You make that decision. Your face value will be paid out to your beneficiaries if you die during this term.

Cash-value life insurance, on the other hand, will require you to pay more at the beginning of your policy, but the premium is not needed to take care of payments for the cost of death.

You can also choose from:

  • Whole life insurance - This policy protects you for the duration of your lifetime.
  • Universal life insurance - This policy allows policyholders to make any changes and even skip premium payments when they need to.


Visit Seacliff Insurance and Financial Services for a quote. We are proud to serve residents throughout California.