Windfall Insurance Services | 2335 Roll Dr., #6, CA 92154 | (619) 427-2210 or (619) 661-0505
windfallinsurance@cox.net
* Coverage available in the United States and Mexico!
We offer the following lines of insurance to individuals, families, and groups:
Term Insurance - The simplest type of life insurance. You purchase coverage for a specified period, and if you die during that time, your designated beneficiary receives the value of the policy.
- 5 Years
- 10 Years
- 15 Years
- 20 Years
- 30 Years
Lines of Life Insurance:
- Term Insurance
- Whole Life
- Universal Life
- Variable Life
- Life Settlements
Over 50 Insurance Carriers Across the Nation!
We accept most preexisting conditions.
- Level Coverage
- Return Primer Rider
- Disability Coverage
- Child Rider Coverage
- Whole Life
- Universal Life
- Traditional Level Term
- Cash Accumulation
- Critical Illness
- 48 hrs. Approval (in some cases)
- Up to $350,000 Non-Medical
- Pre-existing Health Conditions Ok
Whole Life - Similar to term, but you purchase the policy to cover your whole life, not just a set period. With Whole Life insurance, Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums.
Universal Life - With Universal Life insurance, you pay a minimum premium and then are allowed to decide how much you want to put in over and above that amount. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a private account, which you can use against premiums or allow to build.
With some policies, sometimes called Type I or Type A, the account goes toward the face value of the policy on the death of the policyholder.
With a second variety, sometimes called Type II or Type B, the beneficiary receives the face value of the policy plus all or most of the account.
While Type II is meant to provide a partial hedge against inflation, it demands higher premiums as you get older than Type I.
A variation of a universal policy, often called universal variable life, allows policyholders to choose investment vehicles.
Variable Life - With a variable policy, there is usually a wider selection of investment products, including stock funds. As with a universal policy, returns on investments can offset the cost of premiums or build in the account. And depending on the type of policy, the beneficiaries will either receive the face value of the policy or the face value plus all or part of the cash account.
Life Settlements - Thank you for your interest in Life Settlements. We are currently updating this information. Please check back or contact us for more information.
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