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Most people buy life insurance to cover for their final expense to prevent a financial burden to their loved ones when they pass away. Other common purposes of life insurance is to pay off mortgage, funding college expenses, saving for retirement, or to leave a legacy money for their loved ones when they die.

There are 2 major types of life insurance.

Term and Permanent. as the names suggest Term life covers a specified duration or term, whereas a Permanent is a lifetime coverage, as long as the required premiums are paid.

Term life insurance is the cheapest way to protect your family financially for a lot more money in death benefit.

If you don't have anything in place, now is the best time to get something in place. There is no benefit in delaying getting a life insurance as the cost will just get higher each year since cost of insurance is based primarily on age and health.

Life insurance is not a one-size-fits-all product. Life insurance must be tailored to fit an individuals goals that needs to be accomplished by the policy and its budget taking into consideration the individuals age, health, and financial situation.

Everyone who cannot afford to self-insure must have some amount of insurance in place. All of us will get sick in our lifetime and we don't know when but we're all going to die. And when either one of these life events happen, insurance is designed to protect our family financially and keep their lives going normally like they did not lose your income.

There are hundreds of insurance companies that you can rely on to help you and thousands of agents who can help you sign up for a policy. 

It is better if you can talk to an agent you can trust to truly help you in the process of accomplishing your goals with an A-rated and a dependable insurance company. You may reach out to me if you'll be interested in hearing your options.

I am all about helping my client and my clients' needs. I am a broker, and as a broker, I work with a number of A+ rated insurance companies to source out the best option for my clients based on their situation and their goals. 

Unlike most insurance agents, I work for my clients and not for the insurance company. I shop around for the best companies to find what company and what product will best fit for my clients.

And my service to my clients does not end when I find the best policy for them. I will help my clients until they will need to use the life policy I help them put in place.

My name is Mervin Porto

Cel.: 949.735.4223

email: admin@mervinporto.com