Insurance Thousand Oaks 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.

State Farm Insurance Quotes - Steve Smith
(805) 496-3340
2801 TOWNSGATE RD STE 128
Thousand Oaks, CA
Alternate Phone Number
(805) 496-3340
Services
State Farm Insurance Agent Steve Smith provides free quotes for car insurance, home insurance, life insurance, and business insurance in the Thousand Oaks, CA and surrounding areas.

Jill Mongeon Insurance, Farmers Agency
(805) 498-8945
99 N Reino Rd
Newbury Park, CA
Alternate Phone Number
805-498-8945
Services
Full service insurance agency
Prices and/or Promotions
Exceptional Service YOU Deserve!

Mercury Insurance Authorized Agent Rancho Simi Insurance Agency
(805) 581-2128
1611 Los Angeles Avenue
Simi Valley, CA
Alternate Phone Number
805-581-2128
Services
Auto/Home Insurance and other Personal & Commercial Insurance Products

Sheila & Co Insruance Agency
(818) 712-0098
8399 Topanga Cyn Blvd Suite 310
West Hills, CA
Services
Insurance

John Jacques Allstate Insurance
(818) 225-7655
23273 Ventura Boulevard
Woodland Hills, CA
Services
Insurance, auto insurance, home insurance, life insurance

Richard Curtis Insurance Agency
(805) 496-7841
870 Hampshire Rd Ste. V
Westlake Village, CA
Alternate Phone Number
805-496-7841
Services
Auto, home, life, renters insurance

Hartfield Financial & Insurance Services, Inc.
(805) 522-5815
2731 Erringer Road
Simi Valley, CA
Alternate Phone Number
8055225815
Services
Life, Health, Long-term Care & Disability Insurance
Prices and/or Promotions
Financial Planning and Advisor

Goldhammer Insruance Services, Inc
(818) 227-0700
21820 Burbank Blvd Suite 226
Woodland Hills, CA
Services
Insurance and Financial services

Peter C Foy & Associates
(818) 703-8057
21650 Oxnard St Ste 1900
Woodland Hills, CA
 
Getquotez.com
(818) 577-6663
20540 Ventura Blvd. #108
Woodland Hills, CA
Alternate Phone Number
818-914-4398
Services
818-577-6663

Insurance

Insurance


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 jzamora@zacks.com

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....

Click here to read the rest of this article at Zacks.com

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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