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Gateway Professional
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Call (707) 446-9864 or

Lic. #0695062

Life Insurance
Permanent or Term?

Life insurance comes in two main forms - term and permanent. Both forms offer a death benefit. Term life offers this death benefit for a specific period of time, and little else. Permanent insurance accumulates a cash value in addition to a death benefit.

Within both types of insurance you can find a wide variety of options, and can also choose from a variety of extra benefits, called "riders," to customize your plan.

Selecting the right type of life insurance depends on what you want it to do for you. To get maximum protection for a limited period at the lowest initial outlay, the best choice would usually be term insurance.

Permanent insurance is a better choice if you want long-term coverage at a predictable premium and a way to accumulate funds for emergencies and future needs or opportunities.

We offer a wide variety of term and permanent life insurance policies including those that provide discounted rates for nonsmokers and people with good health histories. See the Life Insurance Review for an easy self analysis of your current needs. Then contact us to help select the right policy for you.

Gateway Professional Insurance Services

(707) 446-9864

For all your Insurance needs!

IMPORTANT NOTE: This web site provides only a simplified description of these coverage's and is not a statement of contract. Coverage may not apply in all states. For complete details of coverage's, conditions, limits and losses not covered, be sure to read the policy, including all endorsements. Gateway Professional Insurance is licensed in the state of California, license # 0695062. Properties must be in the state of California for us to provide insurance.