Authorized Independent Agent
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2010 by David Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
Authorized Independent Agent Serving California Residents.
Web Site ©1999 - 2010 by David Fluker - The David J. Fluker Insurance Agency. All Rights Reserved.
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Blog
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Need Help? Have A Question?
Call 800-509-0659
Call 800-509-0659
The David Fluker
Insurance Agency
Gilroy, California
CA Insurance Lic # 0B58920
Tel 408-847-6139 Fax 408-762-4450 Toll-Free 800-509-0659
CA Insurance Lic # 0B58920
Tel 408-847-6139 Fax 408-762-4450 Toll-Free 800-509-0659
Life Insurance for California Residents
Term Life Insurance
Term life insurance represents the most affordable method of protecting one's family and assets. It is intended as temporary protection.
As an independent agent, I can shop your term life insurance around to a variety of carriers to help you get the best rate and underwriting for your situation.
I have access to the very best rates available on term life insurance plans for California residents. Call for a free, no obligation quote or use the quote request form below.
Plan options for term life insurance include annual renewable term, and term life insurance with guarantee premium periods of 10, 15, 20, 25 and 30 years.
For more information or to get a quote for a term life insurance plan, please contact my office or send an e-mail or use the quote request form below.
Permanent Life Insurance
There are two types of "permanent" life insurance, Universal Life and Whole Life.
Universal life insurance is designed to offer flexibility in terms of design and funding. In basic design, universal life is intended as a permanent insurance product that can remain in force to age 121 with a minimum of cash surrender value. It can be designed on a cash surrender value platform as well, with higher premiums designed to mimic whole life insurance and provide higher cash surrender values.
Whole life insurance is designed to provide insurance coverage for a person's whole life. Most whole life policies endow at age 121 now (used to be age 100). Whole life insurance is designed to provide a stable death benefit at even the minimum guaranteed earning of the insurance company on the policy (usually 3%). Some companies pay dividends on whole life policies which can be taken as cash or re-invested in the policy to increase the death benefit.
If you are interested in looking at permanent life insurance, please call my office or send me an e-mail.
Term life insurance represents the most affordable method of protecting one's family and assets. It is intended as temporary protection.
As an independent agent, I can shop your term life insurance around to a variety of carriers to help you get the best rate and underwriting for your situation.
I have access to the very best rates available on term life insurance plans for California residents. Call for a free, no obligation quote or use the quote request form below.
Plan options for term life insurance include annual renewable term, and term life insurance with guarantee premium periods of 10, 15, 20, 25 and 30 years.
For more information or to get a quote for a term life insurance plan, please contact my office or send an e-mail or use the quote request form below.
Permanent Life Insurance
There are two types of "permanent" life insurance, Universal Life and Whole Life.
Universal life insurance is designed to offer flexibility in terms of design and funding. In basic design, universal life is intended as a permanent insurance product that can remain in force to age 121 with a minimum of cash surrender value. It can be designed on a cash surrender value platform as well, with higher premiums designed to mimic whole life insurance and provide higher cash surrender values.
Whole life insurance is designed to provide insurance coverage for a person's whole life. Most whole life policies endow at age 121 now (used to be age 100). Whole life insurance is designed to provide a stable death benefit at even the minimum guaranteed earning of the insurance company on the policy (usually 3%). Some companies pay dividends on whole life policies which can be taken as cash or re-invested in the policy to increase the death benefit.
If you are interested in looking at permanent life insurance, please call my office or send me an e-mail.