Life Insurance secures the future of your loved ones who depend on your income.
Just as there are several different ways to look at life insurance, there are several different companies that can provide it. But only Pauma/Valley Insurance Agency (PVI) can provide the personal service that meets everyone's needs. Whether you need a large policy to cover your many assets, or a small one to live simply, PVI knows that they are of equal value to you. That's why PVI is "Valley Center's Most Trusted Independent Insurance Agency Since 1978" - because we put you first.
When you're dealing with something as important as Life Insurance, you want all the facts. Here are some important facts to consider when choosing your Life Insurance Agency::
- PVI has the only Chartered Property Casualty Underwriter (CPCU) Agent in the area
- PVI Agents are experienced and knowledgeable about all aspects of Life Insurance: Term, Whole Life, Variable, Universal.
- PVI is affiliated with over fifty (50) insurance companies to better serve you and your specific needs
Types of Life Insurance:
Term Life Insurance:
Term life is a defined period, typically between 10 and 30 years. During that term, you pay a monthly premium, and if your pass away during the term, the insurance company pays a specific amount of money – a death benefit.
Whole Life Insuracne:
Whole life is policy that builds cash value over time. As long as the premiums are current, the policy remains active for the entire life of the policyholder, and beneficiaries will receive a set death benefit upon the insured's death.
Universal Life Insurance:
Universal life insurance is different from other types of permanent life insurance, allowing you to use the cash value to pay your premiums. But similar to other permanent policies, it lasts your entire life and pays out a tax-free death benefit to your beneficiaries when you die.
Variable Life Insuracne:
Variable universal life is a type of permanent insurance policy that allows for the investing in cash value. Your policy is in effect as long your premiums are being paid on time. Your premiums are calculated based on the death benefit and cash value component.
