Insurance Berkeley CA

Insurance is a form of risk management, where one party pays another to hedge against some type of loss. Insurance policies can be purchased for a number of different uses and to protect against a variety of losses. Life insurance, auto insurance homeowners insurance, and health insurance are some of the most common types that people pay for. In these instances people are hedging against sickness and loss of life as well as damage and destruction of property at the hands of others. There are differing laws throughout the country that govern the necessity of having certain types of insurance.

Farmers Insurance - Ruth Stroup Agency
(510) 842-3600
3382 Piedmont Avenue
Oakland, CA
(415) 875-4610
650 Davis St.
San Francisco, CA
Integro Insurance Brokers
(415) 365-8000
101 California St., Ste. 1600
San Francisco, CA
Willis Insurance Services of California, Inc.
(415) 981-1141
One Bush St., 9th Flr.
San Francisco, CA
Charlie Allison State Farm Insurance
(510) 343-5248
7677 Oakport St Ste 530
Oakland, CA
Insurance, Home Insurance, Auto Insurance, Business insurance, Renters Insurance, Life Insurance

Ameritas Group - Dental and Eye Care
(415) 420-4387
362 Village Square
Orinda, CA
Stacy Hering Astor
(415) 544-0609
414 Jackson St., Ste. 200
San Francisco, CA
OneBeacon Insurance
(415) 365-2200
One Front St., Ste. 800
San Francisco, CA
Delta Dental of California
(415) 972-8300
100 First St.
San Francisco, CA
Jeffrey S. Lee Insurance Agency - Farmers Insurance
(415) 495-6688
330 Townsend St. #225
San Francisco, CA
Insurance and Financial



Term Insurance or Whole Life Insurance?
By Jonas Zamora
March 13, 2007
Jonas Zamora is a Certified Financial PlannerTM professional. You may contact him at

There are two main types of insurance – term and permanent/whole life insurance. For many, term insurance is a good route because it is the least expensive life insurance. Some folks like the many bells and whistles that go with permanent insurance along with life time coverage. Of course this makes whole life insurance more costly.

Term Insurance

Term insurance is the least expensive. Benefits are payable at death as long as it occurs during the term of the policy. Coverage is purchased at a specific price for a specific period – the length of period can range usually from one year to 30 years.

If you have certain expenses that need to be paid off during a certain period, term is the way to go. Such expenses, like your mortgage or college education for children, are great examples of this. Let’s say you have a 15-year mortgage and your debt is $250,000. You may consider a 15-year policy to protect your family for the amount you owe. Same thing if you have young children. Match up the amount of insurance you buy with your expected tuition bill. Keep in mind that you must adjust today’s college expenses for inflation.

Remember that term insurance is inexpensive because your coverage lasts for a limited time and there is no investment component. The money you save by purchasing term instead of whole life, however, could always go into your own investment account or disability insurance.

Whole life/Permanent Insurance

Permanent or whole life insurance is more expensive and it covers you whether you die today or when you’re....

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Home Insurance

Over the last decade, the inflation cost of construction has far outpaced other sectors of the economy. If your homeowner insurance policy has not kept pace, you may have a coverage gap to be concerned about. Additionally, property owners create another coverage shortage by not advising their agent about additions and alteration upgrades. Most homeowner insurance policies contain clauses requiring an Insured to notify the agent and or insurance company when a renovation or addition increases the property replacement cost. The company is only obligated to pay up to the replacement cost of the documented square footage. You, as the homeowner, would have to make up the difference.

Attribution: All Choice Insurance Agency INCORPORATED

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