Serving The Great States Of California And Colorado. Don’t Leave The Future Of Your Loved Ones To Chance. Having The Right Life Insurance Is Pivotal In Planning For The Future Of You And Your Loved Ones. Life Insurance Can Help You Fulfill Promises You’ve Made To Your Family When You Are Gone.

X Advisors Can Help You Find The Right Life Insurance Policy For You And Help Ensure That Your Policy Continually Meets Your Needs. Contact Us Today To Get Started.

Life Changes — So Should Your Policy

The Right Life Insurance Policy Will Be Unique For You And Dependent On Your Personal And Financial Needs.

As Your Life Changes, Your Life Insurance Coverage May Need To Change In Order To Adapt To Your Current Needs.

Some Life Transformations That May Require A Policy Tune-Up? Include The Following:

• You Recently Married Or Divorced.
• You Have A New Child Or Grandchild.
• You Have Opened Or Expanded A Business.
• Your Health Or Your Spouse’s Health Has Deteriorated.
• You Are Providing Care For Or Financial Assistance To A Parent.
• Your Child Or Grandchild Requires Assistance Or Long-Term Care.
• You Recently Purchased A New Home.
• You Are Planning For A Child Or Grandchild’s Education.
• You Are Concerned About Retirement Income.
• You Have Refinanced Your Home Mortgage In The Past Six Months.
• You Or Your Spouse Recently Received An Inheritance.
• You Have A Sizable Estate.

Common Types Of Life Insurance
There Are Several Different Types Of Life Insurance Policies Available — The Most Common Include The Following:

Term Life Insurance Provides Protection For A Specified Period Of Time. If You Do Not Currently Have Life Insurance, Term Can Be A Good Place To Start. It’s Generally Less Expensive Than Whole Life Insurance, And Is Available In Varying Time Periods With Fixed Premiums From A One-Year (Annual Renewable Term) To 20-Year (Level Term) Period. Furthermore, Term Life Insurance Is Sometimes Convertible To Permanent Coverage, Providing You With Flexibility As Your Needs Change.

Whole Life Insurance Is A Form Of Permanent Life Insurance That Remains In Force For Your Entire Lifetime, Provided Premiums Are Paid As Specified In The Policy. Whole Life Insurance Can Be An Investment Opportunity, As Many Whole Life Insurance Policies Also Build Cash Value Over Time.

Universal Life Is A Form Of Permanent Life Insurance Characterized By Its Flexible Premiums, Face Amounts And Unbundled Pricing Structure. Universal Life Can Build Cash Value, Which Earns An Interest Rate That May Adjust Periodically, But Is Usually Guaranteed Not To Fall Below A Certain Percentage.

So, What Type Of Life Insurance Is Best For You? Talk With The Team At X Advisors Today At 805-354-7250. We Can Assist In Identifying The Best Protection For You.

Advantages Of Life Insurance

Not Only Can Life Insurance Provide Assurance For Your Family After You Are Gone, Many Life Insurance Options Offer Other Benefits And Investment Opportunities You Can Take Advantage Of While You Are Living.

Advantages Of The Life Insurance Death Benefit: When You Pass Away, Your Life Insurance Provides Income Tax-Free Money To Your Named Beneficiary Or Beneficiaries That Can Be Used To Pay Funeral Expenses, Debt, Tuition, Estate Taxes Or Virtually Any Financial Need. Your Policy Can Help Provide Security For Your Business As Well, By Enabling Partners To Buy Out The Interests Of A Deceased Partner And Prevent A Forced Liquidation.

Advantages Of Living Benefits: The Cash Value Growth Of A Whole Life Insurance Policy Is Tax-Deferred, Meaning You Do Not Pay Taxes On The Growth Of Cash Value, Unless Money Is Withdrawn. Loans Or Withdrawals Can Be Taken Against The Cash Value Of A Whole Life Insurance Policy To Help With Expenses, Such As College Tuition Or The Down Payment On A Home.

ANNUITIES CONTENT

Protect Your Future, Diversify Your Savings, Enjoy The Good Life.

As Retirement Approaches, You May Worry About How To Protect Yourself From Outliving Your Savings. Annuities Are Long-Term Financial Products That Can Help By Locking In A Guaranteed Income Stream And Even Potentially Growing Your Money While Adding A Death Benefit For Loved Ones. Some People Opt To Transfer Accumulated 401(K) Account Money To An Annuity. You Can Buy An Annuity With Guaranteed Fixed Interest Rates Or With Market-Based Performance. In Either Case, Many Annuities Offer Options To Help Protect Your Money From Losing Value, Which Means You’ll Be More Likely To Maintain The Lifestyle You’ve Worked For.