Life & Health

Life & Health Insurance La Verne
Life happens. We can help.

If something serious happened to you or anyone else in your immediate family, how would you recover? Life insurance protects you and/or your loved ones, even in dire circumstances. Consider the cost of things like funerals, replacement earnings for lost wages, and education. These quickly add up. Life insurance lets you relax so you can live your life, knowing you don’t have to worry about potential life-altering events. If something unforeseen occurs, you won’t have to struggle to make ends meet even in the midst of your grief. Life insurance equals peace of mind.

Life Insurance

  • Term Life
    This protection pays a benefit if someone dies within a specified time period. The benefit to this type of insurance is that you can purchase it for reasonable rates, which means you can likely swing the premiums before your career even has a chance to take off. The drawback is that this type of policy has an expiration date. So, when the term ends, you will need to purchase another term policy, with potentially higher premiums, or pay for a new whole-life policy.
  • Whole Life
    Life & Health Insurance San Dimas
    A permanent policy, whole life provides protection for your loved ones over the course of your entire lifetime. Unlike term insurance, whole life offers the benefit of a guaranteed cash value, to be used however you want. Participating whole life insurance can even earn dividends, which could increase the death benefit and the cash value. Other options include using dividends to help pay premiums.
  • Universal Life
    Are you sure you want life insurance, but don’t know whether you can afford it? If so, a term life insurance policy might be the right choice. Term life is affordable. Your premium payments remain consistent over the period of time that works best for you, (for example, 10 or 20 years). With this option, you choose how long your loved ones need financial protection. If those needs change, some policies can convert to permanent life insurance policies.
  • Disability
    This type of coverage covers you if you get sick or injured and can’t work. You won’t want to worry about paying your mortgage, utilities or food while you are out of commission. Disability income insurance replaces the majority of your income. So, you can consider it “paycheck protection” aka “mortgage protection.” Disability income insurance offers security. You will be able to relax, secure in the knowledge that if the unexpected occurs, you will still receive a monthly income.
  • Long-term Care
    Long-Term Care Insurance (LTC) covers medical expenses associated with extended home health care or skilled nursing centers, covering costs beyond a specified period. In general, individuals who require LTC include those who are unable to take care of themselves and perform Activities of Daily Living (ADL) without assistance.The costs of Long-Term Care can be quite expensive. Beyond the initial short-term stay, typically covered by Medicare, Medicaid or basic health insurance. Long-Term Care Insurance from Inclán Insurance Services protects your family’s financial future by providing valuable coverage benefits.

Life insurance policy
Some of the Benefits of LTC:

  • Adult Daycare
  • Assisted Living
  • Home Care
  • Hospice Care
  • Nursing Homes
  • Respite Care

If you opt to apply for Long-Term Care Insurance, you must meet certain conditions. For example, depending on your age and health history, underwriters may ask for your medical history or do a phone interview to assess mental cognition.

Health Insurance

  • Group/Business Benefits

As your business grows and changes, things change. No changes are as significant as the day you realize you can offer group benefits to your staff. Small businesses just starting out can struggle to cover this type of expense. But since your employees have played a role in your success, you’ll be glad you can pay it forward by providing health coverage. What’s more, lots of options exist, so we can help you find the perfect package for you and your employees.

Inclán Insurance is based in California. But we insure people across the United States. So, we can help find the perfect group benefit package to suit your needs. We will work with you to create a plan suits your budget and your business goals.

Dental Insurance

Disability – short-term and long-term

Education reimbursement

Health Insurance

Life Insurance

Paid Leave

Retiree Health Insurance

Retirement Plans

Vision Insurance

  • Individual Health Plans 

Health insurance has dramatically changed in recent years. If your employer fails to offer a group health insurance plan, you probably feel overwhelmed at the prospect of finding the right coverage for you and your family. At Inclán Insurance Services, we work with myriad insurance companies. So, we can show you the differences between each company’s offering, including the benefits included in each plan.

Life Insurance

  • Term Life
  • Whole Life
  • Universal Life
  • Indexed Life
  • Disability
  • Long-term Care

 Health Insurance

  • Group/Business Benefits
  • Individual Health Plans
  • Medicare Supplements and Advantage Plans