Tax Free Retirement Planning, Money 101, Wine Women, Wealth Health, Life, Travel Insurance Encinitas

Call or email me now for a FREE quote! (619) 208-7717


Life Insurance


Life insurance, originally conceived to protect a man's family when his death left them without income, has developed into a variety of policy plans.

FREE Life Insurance Quote Request

Sign up for my FREE monthly newsletter

My Privacy Policy, Search Engine Marketing


  • Term life insurance provides coverage for a specific time period (term) and is often referred to as "temporary" insurance.
  • Universal life provides for completely flexible premiums and even allows payments to be skipped after the first policy year as long as the cash value is large enough to cover policy expense charges.
  • Return of Premium Term is a term policy is a term policy that returns premiums to you after the coverage period ends.
  • Whole life insurance is called "permanent" protection, meaning the coverage (and the premiums) lasts for your entire life.

Amazingly, we go to school for twelve to sixteen years to earn our degrees and are taught unlimited amounts of readin', writin', and 'rithmatic. Unfortunately, as adults, what we really needed to be taught was how to raise children, how to stay married and, most of all, how to handle our finances.

Loan Calculator
Amount borrowed:
Interest rate:
Term of loan:
Estimated monthly payment: