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Long Term Plans

Valencia Life Insurance Agents

Trusted for Personalized Insight & Expertise

If you are planning your family's future, having a life insurance policy can offer greater reassurance. While many people avoid thinking about this option, it can provide an important safety net for your loved ones. Our Valencia insurance specialists at LBW Insurance & Financial Services offer a wide range of well-crafted solutions to help ensure the safety and security of your loved ones far into the future.

Thorough Planning for a Safer Future

Life insurance planning can offer a range of benefits. The death benefit is free from income tax and can be used to cover things such as funeral and burial expenses, debt repayment, estate taxes, and other expenses that survivors may face. In addition to this, life insurance can help you ensure that your wishes are carried out and your family business is passed on to the intended survivor.

We offer a variety of life insurance policies, including:

  • Term
  • Whole
  • Universal
  • Variable (life and annuities)
  • Annuities

How Much Life Insurance Should I Own?

One of the most important concerns that clients have revolves around how much life insurance an individual should own. The answer is not that simple and should be decided with the help of an agent. When determining the right policy, our agents can take into account factors such as income, earnings, marital status, number of dependents, whether special life insurance needs exist, and more. However, a rough "rule of thumb" that is often used states that the policy should be equal to 6-8 times the amount of the individual's annual earnings.

Call us at (888) 522-7805 to learn more from an insurance agent in Santa Clarita.


  • I consolidated all of my policies with LBW and received excellent service and better coverage for less annual premiums!

    “I consolidated all of my various insurance policies (homeowner, auto, boat) with LBW and received excellent service from Millie and must say, better coverage on all for less annual premiums! I did not realize that I could get such great rates with AARP policies by using LBW as my agent!!! Highly encourage all my friends to check it out!!!”

    Jennifer Domingos

  • LBW has provided world class service and advice and I would recommend them to anyone desiring top quality insurance solutions.

    “"I want to take this opportunity to thank you for the outstanding personal attention and service we have received. The staff at LBW are not only very knowledgeable and courteous but they are also accessible both in person and by phone as needed. In addition to all of the personal assistance we have received your staff has well represented LBW as my advocate for quality insurance plans. From design, to enrollment, to administration; LBW has supported me through all of my employee benefits and business insurance choices. LBW has provided world class service and advice and I would recommend them to anyone desiring top quality insurance solutions."”

    Inna Tuler, President Maintco Corporation

  • The guys at LBW really helped us identify our key risks and gave us valuable insights on how to mitigate them

    “The guys at LBW really helped us identify our key risks and gave us valuable insights on how to mitigate them. Howard and Todd are both exceptionally informative and really easy to work with. As the CEO of an emerging-growth startup I highly recommend the team at LBW.”

    Marty Chaskin, Co-Founder and CEO of LockAware, Inc.

  • Your team works together seamlessly.

    “The service we receive from LBW has been outstanding! Your team works together seamlessly. LBW can be proud to have such helpful, attentive, competent and caring personnel willing to go the extra mile to help the clients they serve.”

    Barbara Frederick, Dir of HR at Filter Pump Industries

  • Thank you for the excellent job you do for my business, my employees, and my family.

    “"I want to thank you for the excellent job you and your team did on my recent fire claim. As you know, the fire we experienced at our property was devastating and the loss much larger than first anticipated. The LBW team stayed on top of the carrier and really pushed to get our claim handled as quickly and effectively as possible. As always, you and your team treated me like a VIP. This is just one more instance that confirms my decision to put both my business and personal insurance with you. More important than the follow-through provided when we experienced our loss, is your team’s continual review of our policies. It was those reviews that made sure we were adequately covered. Thank you also for making me look good in the eyes of the many folks I have referred to you. I know you will always take good care of those I send your way.”

    Rodney L. Gleicher, President G&G Properties