We offer two paths for you in providing life insurance coverage that is affordable and efficiently processed.
Easy Issue Life: Direct Issue within 24 hours
For some accounts, a life policy can be easily issued in a quick manner. Great for policies under $250,000 and annual premiums less than $1,000. We utilize a link on this website that provides real time quotes from top rated multiple carriers. Coverage can be issued right away!
Concierge Life: RF Insurance Group quote and Issue.
For life policies with face values higher than $250,000, and annual premiums over $1,000, we often prefer to consider more underwriting guidelines and special attention to more than one type of plan. Our personal touch to pre-underwriting your risk helps determine the best and most competitive plan that fits your needs. We do this directly through RF Insurance Group on a concierge basis and again offer the best rates from several carriers.
Term vs. Permanent Coverage:
Auto insurance protects you against financial loss if you have an accident.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time. Policies can be in the forma of Universal Life and Whole Life.
It’s impossible to say which type of life insurance is better because the kind of coverage that’s right for you depends on your unique circumstances and financial goals. But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.
Thank you for your interest in RF Insurance Group. We work diligently throughout California, Arizona and Nevada to find the best coverage customized for your unique needs. Please feel free to call our office at 520-448-4498 or email your questions and an agent will reply promptly.