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Auto insurance protects you against financial loss if you have an accident.

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A standard policy insures the home itself and the things you keep in it.

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Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

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Term and Whole Life Insurance - Carlsbad, Vista San Marcos, Oceanside, CA and Surrounding Areas


prepare for the unexpected with life insurance from Ken May Insurance

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. 

Term Insurance

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

 

Permanent Insurance

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

 

How do I know which life insurance option is best for me?
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. But remember, Ken May Insurance will help you figure out the amount and type of life insurance that makes sense for your particular situation. We are licensed life insurance professionals.

Click 
here to learn more.


 
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