Welcome to Zimmerman & Ray Insurance Services

Opening Hours : Monday to Saturday - 8am to 6pm   Contact : (916) 746-7888

Protect Those That Matter To You Most

If you think about it for a minute, you insure everything that’s significant in your life; why not insure yourself? You are priceless after all (or at least pretty close to priceless). Life insurance helps provide you peace of mind and can provide your family with financial stability and security when it matters most.

life insurance from zimmerman

Term Life Insurance

A term plan gives you coverage for a particular time period of your choice, which can be anywhere from 5 years to over 30.

This kind of policy is considered to be very affordable, since you only need to pay premiums for the duration or ‘term’ that you have picked. If you’re in your 30s or 40s, you could get an insurance plan that costs you less than a dollar a day, but gives you a wide range of benefits and reliable coverage for those who depend on you!

The younger and healthier you are, the better your chances of getting approved for a term life insurance policy, but even an existing medical condition, advanced age (up to 75 years) or disability do not necessarily mean that you cannot get approved for one.

If anything happens to you and you die while the policy period is still active, your dependents will receive a death benefit sum, which acts like a replacement to the income you would normally have provided for their requirements. As long as you pay the premiums on time, your policy will remain active till the end of the term, and the benefits or proceeds are normally tax-free too.

When you’re young and healthy, you feel immortal – convinced that nothing untoward can ever happen to you. The trouble is, no one can predict when or if an accident, illness or other tragic occurrence can cut your life short and leave your family and loved ones high and dry. Like the adage goes, “It’s better to be safe than sorry”!

We offer term life insurance from many different carriers and these policies are a great way to ensure that your family will remain financially stable in a worst-case scenario, so take charge and get a quote from us today.

Have Term Life Insurance Questions?

We will be happy to answer all your queries. Please drop us a line and we will get in touch.

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Whole Life Insurance

A whole life policy, as the name suggests, protects you for your entire life and ensures your loved ones will not be left uncared-for after your death. This policy has a fixed premium, within which you get the dual benefits of insurance coverage as well as an investment plan that continues to grow as long as you’re alive!

The insurance component of the policy pays the assured value to your beneficiary in case of your death, while the investment component gathers cash value which you can use during your lifetime. You can also put additional money into the policy on a tax-favored basis, and the cash value can be withdrawn or borrowed against (if you have paid your premiums on time and/or added to the initial premium amount).

On the other hand, you could opt to receive dividends on the policy, which increases the cash value until it is the same as the face value of the plan, without the addition of extra funds from your pocket. The increased cash value (from dividends or additions) is also added to the death benefit that your beneficiary will receive, which makes a whole life policy a very viable investment for the long run.

Have Whole Life Insurance Questions?

We will be happy to answer all your queries. Please contact us today.
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The annual premium amount for a whole life plan remains the same throughout your lifetime, making it ideal if you’re looking for coverage that involves minimal long-term investment. While it may cost a little more than a term plan in the short run, a whole life policy works out as a wise choice for life-long coverage.

We offer whole life insurance policies from a wide selection of mutual insurance companies, some of which have been around for over a century. Our policies give you the combined returns of assured and unchanging premium value, death benefits and lifetime cash value, so call us to ask for a quote today.


Companies we deal with

AUL
Mass Mutual
Penn Mutual
Ameritas
Ohio National

Get your tailor made life insurance policy today.

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