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Life Insurance

Valencia Life Insurance Agents

A Safety Net for Your Loved Ones

If you are planning your family's future, considering a life insurance policy is a crucial step in the process. Having life insurance can provide an important safety net for your loved ones and fulfill your obligations to your family if you are no longer living. There is an extensive range of benefits that come from having the proper policy in place. The death benefit is free from income tax and can be used to cover things such as your children’s education expenses, funeral and burial expenses, debt repayment, estate taxes, and other expenses that survivors may incur.

One of the biggest benefits is the replacement of your lost income for your family. For estate work, we do a thorough cash flow analysis. Life insurance will help ensure your family’s standard of living is maintained. It can also 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 Life
  • Permanent Insurance
  • Whole Life
  • Universal Life
  • Variable Life
  • Indexed Life
  • Annuities

How Much Life Insurance Should I Own?

One of the most important questions clients have is how much life insurance an individual should own. The simple answer is, it can vary widely from person to person. In order to determine the correct amount, it is important to take into account such factors as regular income, income other than salary or earnings, marital status, number and age of dependents, whether special life insurance needs exist, and more. A rough "rule of thumb" that is often used says the policy should be equal to 6-8 times the amount of the individual's annual earnings, but that can easily increase to 10-20 times annual earnings based on those other factors.

Act Now to Ensure Your Family Is Protected!

Our Valencia life insurance agents at LBW can help you sort through all the various factors that determine what type of policy to purchase and in what amount. By acting now, you can protect those you care for most, should the unexpected occur, and ensure they are well taken care of far into the future.

Don’t wait! Call us in Santa Clarita at (888) 522-7805 today!

INSURANCE CLIENT TESTIMONIALS

  • 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

  • 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.

  • 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