| LowestInsurance_____858.505.0508 |
With over a decade of experience serving Californians, Lowest Insurance cares about your welfare and wants to help you make the best choices. Our professional staff is dedicated to meeting your expectations.
We offer a variety of services and policies including Life Insurance, Health Insurance, Disability Insurance, Annuities, Long-Term Care, Medicare Supplements, Homeowners and Auto.
Whether you are currently single or married with a family, having life insurance is important. An unexpected death can leave your family with a loss of income for ongoing bills, funeral expenses, mortgage payments, etc. Although insurance does not replace a life, it can help to alleviate the financial burden that comes with it. Because a life insurance settlement is non-taxable, you can rest assured your family will receive the full settlement amount.
Finding financial stability involves proper planning, and proper planning starts with purchasing a life insurance policy. Whether you are currently single or married and have three children, having a life insurance policy is important for you and the future of your loved ones. An unexpected death can leave your spouse and children with unexpected bills, funeral expenses, mortgage payments, and loss of family income. Although insurance does not replace a life, it can help to alleviate the financial burden that comes with it. Because a life insurance settlement is non-taxable, you can rest assure that your family will receive the settlement in its entirety.
Term life insurance is one of the most affordable options for those on an economic budget. It provides life insurance for a predetermined amount of time at lower rates. If the individual dies during this period, his or her settlement will be distributed to their beneficiary.
Whole life insurance offers coverage for your entire life, rather than a specific amount of time. The majority of time, the premium and death benefit remain stable.
Universal life insurance provides a cash buildup. Each month, the cash will accrue interest that will be allotted to the policy account.
We understand that no one intends to get sick, but having a major medical insurance can save you and your loved ones from costly medical bills.
(Also called “Medigap” Insurance) This is private health insurance that is designed to supplement “Original Medicare.” This means it helps pay some of the health care costs (gaps) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles).
Long-Term Care is ongoing care or services required by those who are unable to care for themselves. This could include help with shopping, meal preparation, or with personal activities such as bathing, dressing, eating, personal hygiene, and/or moving around your house.
This care can take place in a nursing home, an adult day care center, an assisted living facility, or in your home.
This personal insurance is designed to pay a daily benefit for a specific time period to help cover the potentially very high costs of Long-Term Care. Most health care insurance policies, including Medicare and Medicare Supplements, do not cover most Long-Term Care costs.
When considering purchasing a disability insurance policy, there are a few important factors to keep in mind in order to make a sound decision. The first step is deciding between short and/or long term disability insurance coverage. Our analysis will help with your decision.
Our annuities include single life, joint life, joint and last survivorship, and group annuity. Under single life annuity, only one person is covered.
In a joint life policy, two people can be on the account. They can receive annuity payments up until their death.
In a last survivorship account, payment is granted to two people. After the first person has died, there is a reduced payment to the second person.
Under a group annuity policy, multiple people are listed. Benefits can be paid out to each individual.
We care about your well-being and want you to prosper. Call Lowest Insurance today, to schedule a free consultation and discuss your goals with us.
