Life Insurance in California
Want to build a secure future for your family? Opt for the diverse life insurance policies offered by Pryor Enterprises Inc. We’re the leading insurance aggregators operating in the US, offering several life insurance plans to ensure financial coverage for your loved ones.
You can enjoy several benefits from our life insurance policies including death benefits, tax benefits, debt clearance, financial security, mortgage payoff, etc. Get in touch with our life insurance agents today and learn about our assorted plans to build a stress-free future for your loved ones.
Top Coverage Plans Per Your Needs
Pick from the best types of coverage for guaranteed support for your loved ones.
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Tailored Plans
Flexible coverage options, designed to cater to your specific requirements.
Best prices
Comprehensive insurance plans from esteemed companies at the best prices.
Peace of Mind
Guaranteed insurance benefits, allowing you to plan your retirement in peace.
Why Choose Pryor Enterprises Inc. for Life Insurance in California?
At Pryor Enterprises Inc., we provide assorted life insurance plans for your diverse needs. Our certified representatives offer claim assistance to facilitate process of filing an insurance claim, or with its other aspects.
Our esteemed clients benefit from a quick turnaround time (TAT) which means that their claims are processed and paid out within a short time frame. Additional benefits include:
- Affordable premiums
- 24/7 client support
- Seamless process
- Free consultation
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We are offering a thorough service on our website, from quote comparison and policy selection to registration and claim.
Why Choose Pryor Enterprise?
We are among the premium insurance aggregators, offering various life insurance policies in one place.
Helping you select the most fitting life insurance for you
Allowing you to tailor your coverage options to fit your needs
Ensuring minimum waiting time through prompt responses
Available 24/7 to answer queries and offer help to customers
"Deserving a thousand stars for their exceptional customer services"
What We Offer
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Variable Life Insurance
Our Easy-to-Navigate Process
We offer a streamlined process to choose and buy a life insurance policy.
Get in Touch
Connect with us by giving us a call, sending an email or filling in your details in our online form.
Consultation
Consult with our experts about coverage requirements to acquire the most apt policy per your needs.
Quote Comparison
Compare quotes from various insurance companies before settling on one policy.
Policy Selection
Choose the policy that perfectly fits your requirements and let us handle the rest.
Choose from Affordable Life Insurance Policies
You can check out our other plans to secure your family’s financial future:
Term Life Insurance: Type of life insurance policy that pays out a cash benefit to your legatees if you expire during a set period of time. However, the plan ends and you don’t receive anything back in case you don’t pass away during the term of your policy. The policy term is generally 10 to 30 years. Term life insurance comes in different types including decreasing term, level term, renewable term, and convertible term life insurance.
Whole Life Insurance: Also known as life assurance, this type of insurance policy offers coverage for the policyholder’s entire life. His family or beneficiaries receive a lump sum payment upon his death which can be used to cover debts, bills, mortgages, or other living expenses. Whole life insurance policies are permanent and don’t have an expiry date, as long as the policyholder keeps up with their premium payments.
Universal Life Insurance: A form of permanent life insurance with a cash value element like other permanent insurance and offers lifetime coverage as long as you pay your premiums. Policyholders borrowing against the accumulated cash value of their UL policy don’t need to pay tax, except on some of the withdrawals. They can also change their premiums in universal life insurance.
Variable Life Insurance: A type of permanent life insurance policy that comprises a death benefit and a cash value element that can be invested in securities. The policyholder needs to choose the investments, which can include stocks, bonds, and mutual funds and can also adjust his premiums and death benefit. Due to long-term investment opportunities, variable life insurance can be a tool for capital build-up and estate planning.
Final Expenses Life Insurance: This kind of life insurance provides a lump sum of money to beneficiaries after the death of the insured to help pay for final expenses like funeral costs. However, beneficiaries by law don’t need to use the disbursement for this purpose and they can decide how to use the payout among themselves.
Frequently Asked Questions
What benefit does universal life insurance offer over a term life insurance policy?
A UL insurance policy allows you to accumulate cash value, which is not possible with term life insurance.
How is term life insurance more beneficial than the whole life insurance policy?
Term life insurance is less expensive than whole life insurance, guaranteeing a payout regardless of when you die.
How is whole life insurance a good option?
Whole life insurance policies are not subject to income or capital gains taxes. They offer fixed premiums that don’t escalate over time and a stable death benefit that doesn’t decline. This type of life insurance policy can be a good option if your estate is likely to incur inheritance tax after your demise.
What factors should be considered while opting for a variable life insurance policy?
You need to consider that in a variable life insurance policy, the policyholder’s interest and future growth depend on the performance of his investments. The cash value doesn’t grow as rapidly if the investments do poorly. Thus, the policyholder needs to be ready to take an active role in managing his policy, including selecting investments and making premium payments. Variable life insurance is often more costly than other life insurance plans, like term life.
What is the drawback of a final life insurance policy?
There are a few drawbacks of a final life insurance policy, one of which is that the policy face amounts are lower than other types of insurance and may not meet all expenditures.