Term Life Insurance
Instant Quotes
Term Life Coverage is a great way to have low cost coverage, for a selected period of time, rather than your entire life.
Say while your children are dependent on you or covering a mortgage, especially if your home is “under water.”
We offer FREE low cost term insurance quotes for California just by entering your birthdate and making a few clicks.
We do not sell your information. No other agent will contact you. Only Steve!
Get Instant Term Life Quote
Set up a phone, skype or face to face consultation
Tools to help you figure out how much you should get
Life Insurance Buyers Guide
How much life insurance you really need?
- Life Screening Form
- Please complete & return and we'll search and consult for you.
- Or try this one from NAAIP.org
- Please complete & return and we'll search and consult for you.
- Set up a phone, Zoom, skype or face to face consultation
Steve Shorr
Website Video Introduction
Accolades, Reviews, Testimonials
Our Webpage on Insurance Coverage for
COVID 19
Life Screening Form - Please complete & return and we'll search and consult for you. Or try this one from NAAIP.org
Set up a phone, Zoom, skype or face to face consultation
CA Statutory Will
Steve Video on CA Statutory Will
Please excuse the sound quality... it gets better after the first 20 seconds
Monthly.expense.fact.finder Jackson
How Much Life Insurance Do You Need ForefieldKT.com
Life Insurance Need Analyzer ForefieldKT.com
10 reasons you might need life insurance even after your kids are grown.
People killed in mass shootings got around 275,000 each from charitable fund raising
So don’t you think that means that you should have at least 300,000 because nobody knows how they’re going to die
Nor should you rely on charity
http://www.latimes.com/nation/la-na-victims-fund-vegas-20180305-story.html
#Confidential Life Insurance – Can I Insure someone without them knowing about it?
Yes, you can now insure against financial loss as a result of the death of another person, with whom there is an INSURABLE interest, like alimony or child support without the insured person’s knowledge.
Additional examples would be Bank Loans, Divorce Settlements, Investors, Business Managers/Agents, Movie Productions, Business Buy Outs/Buy Ins, Surrogate Mother Contracts
Can one get a policy on their Mother who would refuse to take a physical?
Is there an insurable interest?
My mother is 74 years old and has always been in good health, but in recent months her health has taken a turn. She refuses to seek medical treatment and has not been to the doctor in probably 45 years. There has been no diagnoses and there are no medical records. She essentially is penniless and when she passes away the burial and other expenses will fall on myself and other siblings. As mentioned, she will NOT go to the doctor, so a medical exam is out of the question, nor would she ever consent to a life insurance policy being taken out on her (as she does not think she will ever die).
Am I able to purchase a policy without her getting an exam and without her signature to protect myself?
***Maybe. The FIRST question though, is, are you willing to pay the standard premiums for a guaranteed issue graded benefit plan?
2nd, we do have a confidential policy available, just for conversation sake, let’s say the premiums are double what a policy that your Mother would sign for would be. Would you pay that premium?
Which company is the most trustworthy?
Here’s where you can get the “official” ratings and financials…
Ratings Agency Contact Information
All of the ratings agencies can be found on the Web, or reached by phone.
Oldwick, NJ 08858
New York, NY 10004
Agency, Inc. (KBRA)
New York, NY 10022
New York, NY 10007
Insurance Ratings
Services*
New York, NY 10004
*To use these Web sites, you have to register, but the service is free.
https://www.iii.org/article/how-to-assess-the-financial-strength-of-an-insurance-company