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We provide a full range of coverages for your personal insurance needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas. We will review, quote, and secure coverages for your needs.

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From the initial startup company to the publicly traded corporation, we will review, quote, and secure coverage for your business. We have found that transferring risk to an insurance company is often the most efficient way to protect your corporate assets and human resources.

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Health & Life Insurance

Protect the ones you love the most with the proper coverage for your needs. Everyone’s needs are unique and finding secure coverage can be stressful. Whether you want to cover your family, yourself or the people who help your business going, we’ll find the right plan for you.

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FamilyIf your goal is to secure your family’s future, the first thing that may come to your mind is life insurance. 

Once you begin your search, terms like permanent life insurance and temporary life insurance may strike you. These are different types of coverage. It’s important to have a firm understanding of permanent life insurance. Permanent life insurance is also known as whole life insurance.

What Does It Mean to Have Permanent Insurance?

Permanent life insurance is insurance that doesn’t expire after a period. It is permanent as long as you make your premium payments.

Conversely, temporary life insurance coverage will stop after 10, 15, 20, or 30 or more years. The term depends on what length you choose for the term. Of course, you do have the option to convert temporary insurance into permanent insurance.

Since permanent life insurance doesn’t expire, many people purchase this form of insurance. They often use it to ensure their family has financial security if they can’t provide for them.

What Are Some Benefits of Having Permanent Life Insurance?

Most life insurance provides a death benefit that your beneficiaries receive at your death. However, there are some differences between permanent and temporary life insurance policies that may pique your interests.

Permanent Insurance Includes Cash Value Accounts

When you choose permanent insurance, you get the benefit of a cash value account. You can liken a cash value account to a savings account inside your life insurance policy. Your insurance company applies part of your premium payment to your cash value balance. Once your account balance increases, you can borrow against the balance.

Many people like the idea of having a cash value account. They find it handy if they are facing a financial emergency.

Permanent Life Insurance May Pay You Dividends

Some permanent life insurance policies pay you dividends. Dividends are monies paid to you for having the policy. In most instances, life insurance companies pay dividends to their policyholders annually.

Many people like the idea of getting paid dividends. They like the idea of getting back some of the money they pay for their monthly premiums.

Take time to understand your life insurance options. That's your first step to choosing the right policy for you and your family. Choose a policy that’s the best solution for your family's financial needs. Make sure it also fits your budget.

Sweet & Baker Insurance Brokers Inc. can help you get the San Francisco life insurance that you need. Call us at (415) 512-2100 for more information.

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