Insurance Orange 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.

(714) 288-6033
128 E. Katella, #200
Anaheim, CA
Sandy Cline Insurance Agency - Farmers Insurance and Blue Shield
(714) 973-9100
1801 Parkcourt Place - Suite F105
Santa Ana, CA
Alternate Phone Number
Insurance and Financial Services

Looqman Insurance Services
(714) 906-1929
237 Swanee Ave
Placentia, CA
Alternate Phone Number
714 906 1929

(714) 774-1580
400 N. Resh St
Anaheim, CA
Employer Concepts Insurance Services Inc
(949) 579-9681
5 Corporate Park # 170
Irvine, CA
Health Insurance Agency, Life Insurance Quotes, Life Insurance, Individual Health Insurance, Medicare, Affordable Health Insurance, 401k Plan, Workers Comp, Group Insurance, section125, Cobra Compliance, Cobra Insurance, Disbility Insurance

(714) 619-9372
1851 E. First Street, Suite 900
Anaheim, CA
McLure Insurance Brokerage, Inc.
(949) 510-4140
17671 Irvine Blvd. Suite 101
Tustin, CA
Alternate Phone Number
Commercial General Liability

(714) 772-3838
1472 S. Euclid Street
Anaheim, CA
Alex Mora, State Farm Agent
(714) 635-8000
401 N. Brookhurst St.
Anaheim , CA
Alternate Phone Number
Auto, Home, Renters, Life & Business Insurance

(714) 635-8000
401 N. Brookhurst St., Suite 100
Anaheim, CA



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.

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