How much life insurance do you actually need?

This is important for a couple of reasons. First, you want to make sure you purchase as much as you need. If a more expensive permanent policy means you can only afford to buy less, it’s probably not a good idea. After all, the whole point of insurance is to make sure your family has enough to be taken care of financially if something were to happen to you.

Likewise, you don’t want to be buying insurance that you don’t need either. That’s because on average, you’re likely to spend more on it than you or your family will ever receive. Think about it for a moment. The insurance company has to collect enough in premiums not only to pay out benefits but also to cover their expenses (including that nice big fat commission check your adviser could get for selling it to you) and make a profit. In fancy business lingo, your expected return on those premium dollars is negative.

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Quote: Life & Health Insurance
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At Allco Fullerton Insurance protecting you and those who are most important to you with the right life insurance, health insurance and financial products is our primary goal.  Our highly trained staff can assist you by designing a policy that best fits your personal or business needs. We offer the broadest range of optional coverage in Southern California.   Contact our staff today and get started.


Life & Health Insurance products
  • Whole Life
  • Universal Life
  • Varible Life
  • Term Life
  • Individual Health
  • Group Health
  • Disability
  • Long Term Care
  • Annuities
  • Financial Products

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