Ray Hammersley Insurance Agency,Universal Life Insurance,Whole Life Insurance,Term Life Insurance

FOR IMMEDIATE RELEASE
(Free-Press-Release.com) October 31, 2007 -- Life Insurance

The main purpose of life insurance is to provide financial help to your family should you die unexpectedly. The money your dependents, such as your spouse and children, will receive from life insurance is called a death benefit.

Life insurance is a contract binding a life insurance company to compensate a beneficiary for the death of a person insured. If the insured dies the company will provide a cash payment to the beneficiary. Life insurance is used to protect the economic value of a human life with regards to those who may be financially dependent upon it.

Need help?
We have readily available licensed insurance agents to attend to you.
CALL 1-800-777-5907

http://www.rghins.com

Term Life Insurance

Death protection for a "Term" of one or more years. Death benefits are paid if you die within that time period. Term generally provides the largest immediate death protection for your premium dollar.

Most policies are "Renewable" for one or more additional terms even if your health has changes; however, premiums increase with each renewal. During conversion periods you can usually change from Term Insurance to A Whole Life Policy.

Whole Life Insurance

Provides coverage for you entire lifetime (if premiums are paid) and premium amounts remain "level". Over a long period of time, your out of pocket cost can be lower than that of Term Insurance.

Because Whole Life policies can build up a sum of money over their duration, they are often referred to as Cash Value policies. You can access these cash values by withdrawing cash (subject to transaction charges), borrowing against its value, or using the cash value to buy additional life insurance should you feel you are inadequately insured.



Universal Life Insurance

Looking for a policy that can grow with your needs, providing protection even when the unthinkable happens? Universal Life Insurance might be what you are looking for.

Universal Life Insurance offers flexibility to help meet your changing financial needs year after year. With an adjustable death benefit and flexible premium payments, you have the ability to modify your policy, as your financial needs change.

Advantages of Universal Life

Tax-Free Survivor Benefits - Your beneficiaries receive a federal income tax-free death benefit



Health Insurance

The main purpose of life insurance is to provide financial help to your family should you die unexpectedly. The money your dependents, such as your spouse and children, will receive from life insurance is called a death benefit.


Ray Hammersley Insurance Agency


Contact Information:

Our normal business hours are Monday through Saturday from 9:00 A.M. to 7:00 P.M., Central Time.We will respond to emailed inquiries or request within 48 hours (2 business days).

Main Office

Address 2335 North Mountainside Dr Los Banos CA 93635
Phone Numbers (209) 826-3402, 1-800-777-5907
Fax number (209) 826-9704

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