Life Insurance
BCV is an independent insurance agency. We represent the majority of the insurance market place. This means we can shop your protection and pricing for you. Please call one of our licensed agents and we will provide a quick affordable quotation for you. We´re here to serve you.
What is life insurance?
Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.
- Universal life or Whole life – life insurance which is permanent, as long as you pay premiums on time, and has a cash value or investment feature.
- Term life insurance – Life insurance provided for a period of years with no investment or cash value feature. This is just basic life insurance protection. We recommend an option which fixes your premium payment for a specified number of years. You don´t have to buy the protection for all those years, but we want your insurance company to be obligated to sell it to you for a fixed price for multiple years.
Why is life insurance important?
You may not think about it, but your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Here are some reasons we recommend life insurance.
- To replace income the family would need to maintain their standard of living after the death of a wage earner.
- To pay off a mortgage loan and other personal and business debts.
- To create a fund for children's education.
- To pay final expenses, such as funeral costs and taxes.
- To create a family emergency fund or a fund for a family member with special needs.
How much life insurance do I need?
The answer to this question is different for everyone. There are no formulas that work for all people, since life insurance is not a "one size fits all" protection. We want to know what you would need and desire for your survivors if something happened to you today. It really is not much harder that that. Please click here to send us an email inquiry or call us and we will provide a personalized quotation for you.
Testimonials
I´m amazed, you guys gave me better coverage and for less money than I was paying, you guys are great!
Anne C.
Pasadena, CA
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I would like to compliment Suzanne for the great service I received when I needed help this week, it was very much appreciated.
Mandel H.
Pasadena, CA
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600 S. Lake Ave. Suite 306 Pasadena, CA 91106
(626) 792-7654 - Outside of the 626 area, phone our toll-free number: 800-585-8787