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Daniel Sandoval
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There are several types of life insurance policies available. Here are some of the most common:
  1. Term Life Insurance: This is the most basic and affordable type of life insurance policy. It provides coverage for a specific period, usually ranging from 1 to 30 years, and pays out a death benefit to the beneficiary if the insured person dies during the term of the policy.
  2. Whole Life Insurance: This type of policy provides lifetime coverage and has a savings component. A portion of the premium paid goes towards building cash value, which grows tax-deferred over time. The policyholder can access this cash value through loans or withdrawals.
  3. Universal Life Insurance: This is a flexible type of policy that allows policyholders to adjust their premiums and death benefits over time. It also has a savings component that earns interest based on market rates.
  4. Variable Life Insurance: This type of policy provides a death benefit and a savings component that is invested in various stocks, bonds, and mutual funds. The cash value of the policy fluctuates with the performance of these investments.
  5. Guaranteed Issue Life Insurance: This type of policy is designed for people who have difficulty obtaining traditional life insurance due to health issues or other factors. It typically has lower coverage limits and higher premiums but does not require a medical exam or health questions to qualify.
  6. Accidental Death and Dismemberment Insurance: This is a type of policy that pays a benefit if the insured person dies or is permanently injured due to an accident. It typically provides lower coverage amounts than other types of life insurance policies and does not cover death or injuries due to natural causes.

For a FREE QUOTE on Life Insurance please click on this LINK 




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The Vision Group Real Estate Services

17138 Bellflower Blvd Suite 200
Bellflower, CA 90706
562.843.4474
sandovalsellsrealestate@gmail.com

DRE# 01342206

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