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In today’s financial environment, it’s important to know that there are some things you don’t have to worry about. Life insurance can be the foundation of financial security for you and your family. Life insurance, is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.
Disability Insurance is the industry name for a plan that provides for periodic payments of benefits when a disabled insured is unable to work. The insurance product is designed to replace anywhere from 45 to 65% of your gross income on a tax-free basis should illness keep you from earning an income in your occupation. Approximately 17.9 million California workers are covered by the SDI program. SDI contributions are paid by California workers through employee payroll deductions.
The future holds many uncertainties including your well being when you can no longer take care of yourself. Long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home. Shoreline Financial makes it easy to plan your long-term care options.
Investment Grade Life Insurance or Cash Value Life Insurance is a type of life insurance policy that pays out upon the policyholder's death, and also accumulates value during the policyholder's lifetime. The policyholder can use the cash value as a tax-sheltered investment (the interest and earnings on the policy are not taxable), as a fund from which to borrow and as a means to pay policy premiums later in life, or they can pass it on to their heirs. Whole life and universal life are all types of cash-value life insurance.
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