Life Insurance in California

Life Insurance is a crucial step in planning your future. The professionals at Karen and Michael Quigley Insurance Agency can help you choose the right insurance plan.

Determining Your Need:

The need for life insurance depends on your personal and financial situation. We can assist you in determining what type and amount of life insurance is appropriate for you. Generally, you should consider life insurance if:

You have a spouse.
You have dependent children.
You have an aging parent or a physically challenged relative who depends on you for support.
Your retirement savings is not enough to inure your spouse’s future against a rising cost of living.
You own a home and have a mortgage
You own a business.

Life Insurance provides an income tax free death benefit to your beneficiary in the event of your death. These proceeds can be used to cover funeral expense, pay outstanding medical bills, pay off the home mortgage and pay estate taxes.

Term or Permanent?

Term Insurance offers protection for a specified period of time i.e. 15, 20, 25 or 30 years. The death benefit is paid due to any type of death, illness or accident. With term insurance, premiums are initially lower than for permanent insurance. This allows the policy owner to buy higher face amounts at a younger age, when the need for protection is greatest.

Permanent Insurance provides lifelong protection until maturity usually age 121. It provides cash value in addition to a death benefit. A common type of permanent insurance is Universal Life. Premiums are flexible and cash value accumulates at a tax deferred rate of interest. Many companies offer “No Lapse Guarantee Universal life plans” whereby regardless of the investment performance the death benefit is guaranteed payable to age 121.

To determine your family or business needs, and what coverage is appropriate please contact us.

“Karen, I cannot tell you how much we appreciate everything you do for us. Your assistance with Blue Shield was invaluable. You are a light at the end of the tunnel and a blessing in our lives.”

John L.
“Karen, thank you for helping us navigate the crazy insurance market during the last few months. We’re so glad we met you and you are handling all our insurance.”

Cheryl & Joe S.
“Thank you my dear friend Karen for being the best insurance broker in the West. You go way above and beyond. I found a medical policy that has excellent benefits at a competitive rate.”

Monique P.
“Thank you Karen! You are a world class agent for stepping up and assisting me with my claim. I appreciate your help more than you know and highly recommend your excellent service!”

Steve P.
“We have been a client of the Quigley Insurance Agency for over seven years. During this time, we have relied on Karen’s advice and expertise. She has guided us with our medical, long term care, auto, home, and earthquake insurance policies. Karen is always responsive to our concerns. We have recommended several of our friends to the Quigley Insurance Agency because we know they are in good hands.”

Carol & Ed P.
“I am extremely pleased with the excellent service of the Quigley Insurance Agency. So often one has to fight with an agent over an issue or concern. This agency is there to help in any way they can with the utmost professionalism. I am here to recommend them in any way possible.”

Louis L.
“We have been working with Michael for over five years. As our needs have changed, and insurance companies have changed their terms and premiums, he has worked with us to provide the coverage we need while keeping our costs in mind. We feel Michael has been professional, responsive, and proactive in finding us the best value for our insurance needs.”

Debbie & William H.
“I refer everyone to Karen and tell them she is the best insurance agent in the industry!”

Ray C.
“I have been working with Michael since 2008. He is incredibly knowledgeable, consultative, and proactive in helping our family business find the best coverage for the best price for our commercial properties. I highly recommend his services.”

Deborah L.
“I come from a family of insurance people and understand the value of being covered for the unknowns. When I moved to LA in 1996 a friend referred me to Karen. I have been with her since then and our lives and business have grown with her and Michael’s support and knowledge. We have both personal and business insurance with her agency. If I have an issue, Karen and Michael always have an answer, options and solutions. There is a sense of security knowing they are taking care of us.”

Jeanne L