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Home > Life Insurance in California | Richard Turner Insurance

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form

Life Insurance Information

Richard Turner Insurance offers Affordable Life Insurance in San Diego, CA

Protect What Matters Most

Anyone who values their financial future and their loved ones’ security needs to consider the benefit of life insurance. It’s an investment that you can make today but that will pay off in a big way in the future, even if you aren’t around when it does. By buying a well-managed, quality plan, you’ll be able to fulfill your promises to always take care of the people and things you love. 

Life insurance involves hard conversations, and it takes time and commitment to get the right plan for you. At Richard Turner Insurance, we believe that the process shouldn’t be a stressful or difficult one. With our expert guidance, you’ll be able to enroll in quality, affordable coverage that will be there for your loved ones during the challenging time following your death. 

To get your policy bundle started: 

  • Call us at (619) 296 – 6222

  • Request a Life Insurance Quote Online


Common Life Insurance Questions 


What is Life Insurance? 

You can’t predict the future, and it is a sad fact of life that anyone could die at any time. With the help of life insurance, you can assign a value to your own life. If you die, whether tomorrow or years from now, your plan can help you leave a financial legacy behind for those you care about. Life insurance acts a guarantee that they won’t face significant losses because of your death. 

How Does Life Insurance Work? 

When you have life insurance on yourself, your death will be the trigger that allows your policy to pay a sum of money to a family member or other designated party. With it, they can cover costs like: 

  • Your funeral costs and other final expenses

  • Settling your estate

  • Paying down debts

  • Family expenses previously covered by your income


Your policy will involve several terms and conditions, so it’s important to understand each of them: 

  • Insureds: The insured is the party who has to die for the life insurance policy to pay out.

  • Death Benefits: This is the primary payment associated with your life insurance. When you die, your plan will pay the death benefit to the person who you want to receive the money.

  • Beneficiaries: You will name a beneficiary who you want to receive the death benefit. This might be a spouse, adult child, close friend, estate executor or even a charity of your choice. You can name co-beneficiaries and contingent beneficiaries to some plans.

  • Cash Value: Some life insurance plans offer cash value investment opportunities.A portion of your premium will be placed in an investment account managed by the insurance company. As the account accumulates value, you can draw on it as a source of income while you are alive. However, after you die, the cash value account will not pay out its remaining value.

  • Trusts: By linking your death benefit to a trust fund, you will direct the money into that account, which will contain rules on the use of the money.


What are the Different Types of Life Insurance? 

Everyone has different goals for their life insurance, and there are many types of plans on the market that can help you meet your own policy goals. The two primary plans are: 

  • Term Life Insurance: These plans only offer coverage for a certain number of years. For example, a 20-year term plan will only be active for 20 years. If you do not die during this term, then your plan will expire at the end. You must apply for new coverage to continue the benefits.

  • Whole Life Insurance:A whole life plan lasts from the time of enrollment until the end of your life. It will only expire if you fail to pay your premiums. Besides a death benefit alone, a whole-life policy will also offer cash-value investment opportunities.


More specific policy options such as universal, guaranteed-issue and group life plans also exist. 

Which is Better, Term Life or Whole Life Insurance? 

Term life plans are often the more affordable of the two primary benefits, given that they don’t last forever and don’t offer cash value options. However, whole-life plans provide consistent benefits, and you do have the reassurance that your plan won’t expire unless you stop paying for it. 

How Many Life Insurance Policies Can You Have? 

You can usually buy as many life insurance policies as you want. Some people buy policies with death benefits that are designed to cover certain expenses, specifically. For example, you might have a plan that covers the value of a child’s education expenses. On the side, you might have another policy with a death benefit that can provide your spouse with several years’ worth of your income. 

How Long Does It Take to Get Life Insurance? 

Your life insurance application might take time, and you will likely have to undergo a medical exam to help you qualify for benefits. However, we’ll help you make this process as seamless as possible, and can ensure that your benefits take effect as soon as you're approved.

Contact Us Today!
(619) 296-6222

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3443 Camino del Rio S., Ste. 221
San Diego, CA 92108

P: (619) 296-6222 | E:info@richardturneragency.com
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