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Life & Health Insurance Information
Life and Health Insurance in Simi Valley, CA
Health and Life Insurance for Individuals and Families Throughout California
Life insurance and health insurance are two of the most important coverages for individuals and families across California. This coverage provides compensation for various necessary expensive you or your family members may face.
Tailored Werks has relationships with various top insurance providers to pair you with coverage designed for you and your family’s needs. We will help you find an affordable, comprehensive life and/or health insurance policy.
How Does Life Insurance Work?
There are various types of life insurance policies designed for different purposes. Overall, life insurance is designed to provide coverage for your family financially after you pass away. Those who receive compensation after you pass away are called beneficiaries. There are two main types of life insurance:
A whole life insurance policy covers you as long as the policyholder lives. With this type of policy, you only need to purchase it once. As long as you pay premiums, you should have coverage. If you pass away while the policy is active, compensation will be paid to your beneficiaries based on your policy’s limits.
Term life insurance policies provide the same coverage as a whole life insurance policy, but for a certain period of time. For example, say you want life insurance coverage only until you pay off a certain debt, such as your student loan debt, you can purchase a term life insurance that lasts until you plan on paying off your debt. Term options generally include 10 years, 20 years or 30 years.
What Does Health Insurance Cover?
Health insurance is designed to cover your healthcare expenses such as doctor’s visits, hospital stays, emergency services, prescription medication and more.
Not all health insurance policies are created equal, however. You will need a health insurance policy designed to cover you and your family’s medical needs, especially if one of your family members has specific healthcare.
Get Health and Life Insurance Today
Don’t wait to get the health and life insurance your family needs. Call us at (805) 558-8437 or fill out a quote form to get started today.
Common Life and Health Insurance Questions
Does Life Insurance Expire?
A term life insurance policy will expire as soon as the term comes to an end unless the policy is renewed. Whole life insurance policies don’t typically expire unless it is cancelled or you stop paying premiums.
How Many Life Insurance Policies Can You Have?
You can technically have more than one life insurance policy. You typically can’t purchase more than one whole life insurance policy from the same insurer, but you can have multiple term life insurance policies.
Why Might You Be Declined for Life Insurance?
Life insurance may be denied based on your age and/or health. Those who have pre-existing conditions may have more difficulty finding life insurance.
How Far Back Does Health Insurance Look?
Insurance providers typically look back around five to ten years on your medical record. This is typically used to calculate your health insurance premiums. You may pay more for health insurance if you have pre-existing conditions or a history of poor health.
How Does Health Insurance Work?
When you purchase health insurance, you typically pay monthly premiums in return for coverage. As long as the policy is active, this insurance should cover a portion of your healthcare expenses.