Life Insurance Planning for Families & Businesses

Click on the bullets to find the answers to these questions:

Which kind of coverage is the right kind for me? How much do I need? -- Calculator What if I have health problems and have been turned down by other companies? Is there anywhere I can get coverage? What are the differences between term and permanent life insurance? Don't buy term (without reading this first)! Cash value "permanent" policies -- why you may need one! Don't buy universal (without reading this first) - the universal truth! Whole life -- the whole nitty gritty Why get affordable protection? Who cares? What are some of its specific uses? What about insuring the homemaker? Should I buy a policy on my child? Who should be the owner of  "my" policy? How should I name beneficiaries? How do I handle multiple beneficiaries? Who gets their share if they die? Should minor children be named as beneficiaries? Besides cash value, are there any benefits I can get out of policy while I'm still alive? At age 90, am I too old to get covered? Why would I even want it at my mature age? How can I prepare for my life insurance exam? Also featuring Second To Die Plans!

Licensed in:
Arizona, California (license #0629626), Texas, and Virginia. For other states, such as Florida, Illinois, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Washington and others, inquiries for a quote are referred to networked broker agents licensed in that particular state.

PGA Financial has no intent to generate interest in any particular company or specific policy, but rather to inform and educate you on the general concept of term, universal, whole life, and second to die -- after which, if you are interested, an independent agent broker at PGA Financial will be glad to research companies that offer such plans, get you a quote and assist you in making an affordable choice (if you are in arizona california texas or virginia as mentioned above, but if you are in florida illinois massachusetts michigan minnesota missouri new jersey new york north carolina ohio pennsylvania washington or other states, you'll be referred to an agent broker in that state). If you do become interested and obtain a policy, the broker would be compensated by the that company.

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