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Business and Personal Life Insurance

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Protecting what matters most: your family and your business. At Coopers Insurance Agency we have unique access to the life insurance products you need as you prepare financially for the future. We put our experience, expertise and volume of business to work to provide each of our clients the best coverage and price available for Business Insurance and Personal Life Insurance. Please contact us to request a quote and let us show you how we can provide you peace of mind at the lowest cost.

Business Life Insurance Information

The loss of an employee, owner, or officer can be a major blow to a business. There are various life insurance programs that are designed to protect the business and maintain operations should such an unfortunate event happen. Please contact us for more information and a quote for life insurance for your business.

Key Employee Life Insurance
Key employee life insurance pays a death benefit to the company when the key employee dies. The policy is normally owned by the company, which pays the premiums and is the beneficiary. 

Term Life Insurance
Term insurance is a type of life insurance policy that provides coverage for a certain period of time, or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active - or in force - then a death benefit will be paid.

Buy/Sell Life Insurance
Buy/sell insurance is one of the best ways to assure the continuation of your business in the event of a partner's death. Many businesses get buy/sell insurance as a form of business protection or business insurance. This buy/sell business insurance is generally accompanied by a buy/sell agreement that requires any surviving partner(s) to purchase the remainder of the business in the event of a partner's death. The purchase is funded by the death benefit of the buy/sell insurance policy.

Employee Benefit Life Insurance
Life insurance is an employee benefit frequently offered by employers. Life insurance is an insurance policy that provides, in exchange for monthly, quarterly, or annual premium payments, a lump sum of money to the designated beneficiary of an employee who dies. Life insurance marks an employer as an employer of choice when desirable candidates select job opportunities.

Personal Life Insurance Information
Personal Life Insurance provides financial protection for your loved ones.  A well-planned life insurance policy enables your loved ones to cover their immediate cash needs and should also replace your income so that your family maintains their current standard of living. There are two basic types of life insurance available:

 
Term Life Insurance
Term insurance is a type of life insurance policy that provides coverage for a certain period of time, or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active - or in force - then a death benefit will be paid.

Whole Life Insurance
Whole life insurance provides protection for your whole life rather than a certain term. It pays a death benefit and also builds cash value that is tax-deferred until you withdraw it. You can also borrow against the cash value. Whole life insurance policies remain in force as long as the premium is paid. In general the premium and death benefit remain level for your whole life.

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Long-Term Care

About 60 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. In the US the average cost of an assisted living facility in 2010 was anywhere from $3300 to $7000 per month depending on the type of care needed and whether or not the patient has a private or semi-private room. These enormous expenses can quickly decimate the assets you have worked a lifetime to build and pass on to your family.

Long Term Care Insurance Information

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum and subject to policy terms and conditions). Contact us at Cooper's Insurance to discuss the many options available for Long-Term Care coverage



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30423 Canwood Street Ste 239 | Agoura Hills, CA 91301
PH: 818-706-2292 | FX: 818-706-1176 | Email: info@coopersinsurance.com

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