Click here to Learn Life Insurance Basics


Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance…the list and combinations seem endless.

Do you know which life insurance policy type is right for you? At Trident Insurance Agency we can help. Our dedicated team of life insurance professionals understand California’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.  For an explanation of determining how much life insurance you need, click here.


As much as we’d all like to think that “it’ll never happen to me,” the reality is that none of us knows what the future holds. Remember that the ONLY things guaranteed are death and taxes.  We encourage you to think about how you and your family would manage financially if faced with a death. If you’ve got an unmet need for insurance, then you should address it. Your family’s financial future is too important to leave to chance.  For a complete needs analysis and quote, call Lori at (818)887-5952 or email

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  • Build lifelong base of whole live coverage.
  • Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life policies will pay dividends – although not always.  Learn more about how to protect your family from financial hardship.

With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right life insurance quote for you. Contact Trident Insurance Agency today for more information and get a free CA life insurance quote!



For a complete Needs Analysis and Life Insurance Quotation, complete the form below and someone will contact you right away.


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