VICTOR RODRIGUEZ INSURANCE AGENT
We have been serving our community for over 20 years.
Our job is to find the best insurance policy for you and you're family in the event of a loss. We look for several life insurance products including Term Life, Final Expense, Universal Life, and Index Life. Also various types of annuities. Our job is to protect the clients needs. We offer the best advice possible on products that will be best suitable for their situation.
LIFE INSURANCE SERVICES
PERMANENT LIFE INSURANCE
Permanent life insurance is type of plan that an insured person is covered for the duration of their life as long as premiums are paid timely. Term life insurance differs from Permanent as the insured is only covered for a set amount of time.
TERM LIFE
Term Life insurance covers you for a specified time period. If you pass away within your plans time frame and made scheduled premium payments, the insurance company pays a death benefit.
UNIVERSAL LIFE
Permanent Life Insurance that lasts your entire life. Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
ADVANTAGES OF LIFE INSURANCE
Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.
Life Insurance Death Benefit - When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Living Benefits - The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.
The right life insurance coverage for each and every one of our customers in California is unique. Talk with the Andrews & Van Lohn Insurance team today to find out how to protect your family and your future with the right life insurance.
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Questions, comments or special requests? Get in touch today, we’re happy to help.
calexico, ca