Protect Your Family, Even When You’re Not There
There’s no conceivable way to put a dollar amount on your family, but with comprehensive life insurance, you can ensure their financial future is protected. At B2 Insurance, we eliminate the burdens of finding the best life insurance policy for your family. We have long-term relationships with 30 of the best insurance carriers in the industry, ensuring you get the best rates for your desired policy.
Find The Right Life Insurance For You
Finding the right life insurance policy for your family can be overwhelming. At B2 Insurance, we take the time to get to know you and assist you in finding the best policy for your family and your budget. We can consult you in a variety of ways to make life insurance work for you and your family.
For temporary coverage, term life insurance is the right choice for you. Get protection for a predetermined period of time.
Permanent life insurance, provide you life long coverage—no matter if you live to be 100 years old.
Want to get an instant price quote for your life insurance? Click on the button below to get an instant quote and compare it with others—without any commitments.
Life Insurance Retirement Plans vs. The Market
Top Reasons to Have Life Insurance
Don’t leave you and your loved ones future up to chance. Having the right life insurance is pivotal in planning the future for you and your loved ones. Here are a few reasons why you should have life insurance for your family.
1. Replace Income for Dependents
With life insurance, your dependents will have access to your death benefits, allowing them to have a replaced income when you are no longer there to care for them.
4. Make Charitable Donations
Naming a charity your beneficiary will allow you to make a larger contribution that you would be able to on your own.
2. Pay Federal & State Death Taxes
Without life insurance, your family will take on the burden of paying federal and state death taxes. Help cover the costs with comprehensive life insurance.
5. Create a Savings Account
With some forms of permanent life insurance, you can create a savings account that can be accessed by your own request.
3. Create an Inheritance for Your Loved Ones
By naming loved ones as your beneficiaries, they will receive your death benefits, even if you have no other assets to pass on.
What’s the difference between term and permanent life insurance?
For term life insurance, you choose a set period of time that you would like to have coverage. This can be anywhere from five, 10, or even 30 years. Your premiums often stay level throughout these periods, but you may not be able to qualify for the same low rates after your term is up.
With term life insurance, you can get affordable death benefit coverage when the need for protection is greatest. Term insurance is often a good choice for an individual or a family in its early years.
Permanent life insurance, unlike term, is meant to provide you with lifelong coverage. With universal life insurance, you will have the opportunity to get a cash value feature that can help you pay for your monthly premiums of your policy, or even provide assistance with unexpected costs throughout your life.
How much life insurance do I need?
This all depends on your current lifestyle. Singles might not need as much life insurance as those with families, as they do not have dependents they care for.
If you are a single without dependents, this does not mean that you cannot benefit from having a comprehensive life insurance policy.
You can use some forms of life insurance to create a savings account that can be accessed throughout your life. The sooner you begin your life insurance policy, the more you can save, and therefore, have for your dependents in the future.
What is a beneficiary?
When you start a life insurance policy, you will be asked to name a beneficiary. A beneficiary is the person that you choose to receive your death benefit. Your beneficiary can be:
These are just a few of the many types of individuals that can be named your beneficiary. Most individuals choose their spouse, children, parents, or other family members as their beneficiary, as their death benefits can act as a replacement income to help support the family when they are no longer able to.
What life insurance policy is right for me?
Finding the right type of life insurance policy on your own can be daunting. Finding a qualified insurance provider, such as our team at B2 Insurance, can help you make the best decision, based on your exact needs.
At B2 Insurance, we have developed long-term relationships with reputable insurance providers in the South Bay and across the nation, allowing us to provide you with the best coverage at rates you simply can’t find anywhere else.