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Life Insurance

Whether you’re funding a buy-sell agreement or guaranteeing the financial security of your significant other, Schaedler Insurance has the appropriate life insurance solution to meet your needs.  With the most competitive array of term and permanent life insurance options available, we’ll work with you to build a life insurance program that provides your family peace of mind and fits comfortably within your budget.  To get the process started, just complete the quote request form at the top of this page or give us a call to get your free California life insurance quote.

Want to learn more about life insurance?  Click Life Insurance Guide to download a great life insurance reference guide put out by www.lifehappens.org

Term Life Insurance

Level term insurance is a type of life insurance policy that typically comes in terms of 10 years, 20 years, or 30 years and is meant to provide temporary insurance for the duration of the policy term. The basic features of most California level term life insurance includes a guaranteed level premium that does not change for the duration of the policy term, as well as a preset death benefit that cannot be reduced or increased during the policy period.   As with essentially all level term life insurance, rates are likely to rise after the guaranteed period of the policy expires.  As a less expensive alternative to permanent forms of insurance, term life insurance generally does not build cash value and is typically best suited for individuals with immediate, short term insurance needs best defined over a period of 10-20 years, such as covering the loss of spousal income until a child graduates from college.  Some higher quality term life insurance products have added benefits and may even allow for conversion to permanent life insurance during the policy period without undergoing further medical underwriting.

Permanent  Life Insurance

Permanent forms of life insurance are policies that have no stated policy term and are designed to last the duration of an insured’s life if the policy is kept in force.  While there are many permanent life insurance options available including among others, whole life, universal life and variable universal life insurance, many of the basic features of each policy are similar.  One basic feature of most permanent life insurance is the accumulation of cash value in the earlier years of the policy, to offset the rising costs of insurance in later years.  Permanent life insurance is best suited for individuals that can afford the increased cost over level term insurance and who have a lingering, long term need for life insurance.  Permanent life insurance is also commonly used in estate planning and business continuation plans as well as buy-sell agreements.

Universal Life Insurance

Tax deferred cash accumulation to supplement retirement plans if needed.

Flexible Premiums: When and how much you pay for life insurance is flexible and can be changed during the duration of the policy period.

Flexible Death Benefit: The amount of coverage you carry can be changed throughout the duration of the policy.  If increasing coverage, proof of insurability is generally required.