Life Insurance

Anyone who has, or will have, a financial obligation, such as a family or a small business, really needs to consider life insurance as part of their overall plan.  While you are not replaceable, having a good life insurance plan in place can ensure your long-term family plans can be met, be it the mortgage on your home, education funding for your children, or lifestyle or retirement planning for your surviving spouse.  Depending on which plan of insurance you are interested in, you can often-times start this important planning for under $30 per month.  CAL Financial offers a full portfolio of life insurance products from over two dozen of the nation’s leading and highest-rated insurance companies.  Our offerings include:

  • The most affordable life insurance—purchase a high level of coverage at a low cost
  • Satisfies short- to mid-term needs (usually 10 – 30 years)
  • Many companies allow you to convert term insurance to a permanent plan without medical underwriting at a later date
  • No cash value accumulation
  • Offers several life-long guarantees
  • Level premium for duration of contract
  • Level death benefit, which may increase over time
  • Builds guaranteed cash value
  • May be structured to be payable for a set number of years (i.e. 20 years, or to age 65), with coverage and cash value accumulating throughout lifetime
  • Cash values accumulate in a tax-favored environment
  • Ideal for longer-range to lifetime planning
  • Offers the most flexibility
  • Policy prefunding available
  • Flexible death benefit
  • Flexible premium
  • Builds cash value
  • Policy withdrawals available
  • Can design policy to be temporary or for lifelong coverage
  • May be designed to offer guaranteed death benefits and premiums
  • Policy prefunding available
  • Offers same flexibility as traditional Universal Life
  • Builds cash value
  • Policy withdrawals available
  • May offer guarantees on coverage, cash value, and premium
  • Policy may be designed to be temporary or for lifelong coverage
  • Cash value may grow more aggressively than traditional universal life

Regardless of your current situation, chances are we can help you.  Contact us today to learn more.


Disability Insurance

You may have thought about life insurance, or even done some planning, but what about disability income insurance?  Did you know that one in four people entering the workforce today will incur a long-term disability prior to retirement?  Disability Income Insurance is designed to replace a portion of a person’s income who is unable to work due to illness or accident, and is an essential component to ensuring that long-term financial goals are met.  Some common features of disability income insurance are:

  • May be purchased as a stand-alone policy, or to back-up the disability coverage provided by your employer
  • Policies can be tailored to meet your budget
  • Coverage can span for a length of time or until your projected retirement age
  • Elimination periods (the time between when a disability event occurs and you start receiving benefits) can range from 30 days to one year.

CAL Financial works with five of the most reputable, highest-rated disability insurance carriers in the US market for standard to preferred markets.  If you feel you may not qualify for disability income insurance due to your health, chances are we can find a carrier for you.


Long-Term Care

According to U.S. Department of Health and Human Services, 70% of people age 65 and older can expect to use some sort of long-term care during their lives.  Long-term care is much more than nursing home insurance.  Long-term care defined is personal or medical assistance with the core activities of daily living (ADLs) which include dressing, bathing, using the bathroom or assistance in transportation due to declining health or medical apparatus.  Long-term care comes in many forms, including:

Care provided in facilities for the elderly who are no longer able to care for themselves (ADLs) but who do not need the level of care provided in a nursing home.
Medical care that is received at home.  Care is usually part-time and performed under a plan prescribed by a physician.
Day care at centers specifically designed for the elderly who live at home but whose family cannot stay home to care for them during the day.  Adult day care also offer relief to family members who are caregivers temporarily rather than on a permanent basis.
Entails skilled-nursing care, intermediate care, rehabilitation or custodial care, usually in a nursing home facility.  Nursing home care may be temporary or permanent in duration.

Most people who purchase long-term care insurance are between the ages of 50 – 64.  CAL Financial is equipped to   To discuss long-term care and determine of this coverage is right for you or your family, contact us today.



People often buy life insurance to ensure financial security for their loved ones in case they die too young.  What if, however, you live a nice long life…do you have your finances in order to ensure you do not outlive your nest egg? Annuities are a terrific option to generate low-risk savings which typically generate better growth returns than Certificates of Deposit or money markets.  On the back-end, a well-structured annuity can guarantee you will never outlive your periodic monthly or yearly payments as well.  
CAL Financial offers both traditional fixed annuities as well as indexed annuities to suit your needs for retirement savings.  


Auto Insurance

CAL Financial is partnered with several of the nation’s leading insurance to offer quality coverage on auto insurance, at very competitive prices.  If you do not have a lot of time to shop your insurance but would like to get some comparisons, let CAL Financial do the shopping for you!  CAL Financial has contracts with top-rated companies like Nationwide, Progressive, State Auto, Chubb and Travelers, to name a few.  We can quickly search the market to ensure you are not overpaying, and review your coverage and offer suggestions if an opportunity exists.


Home Insurance

For most people, your home is the biggest asset you will ever own.  Making sure your home is properly insured is not the easiest task.  Do I have adequate coverage?  Will the company I choose haggle with me over a future claim I may file?  Am I paying a competitive price for my home insurance?  How can I qualify for more discounts?  All of these questions surface when shopping.  CAL Financial only works with top-rated (A.M. Best “A” or better) insurance carriers with a solid reputation for claims handling and customer service.  CAL Financial holds contacts with carriers like Chubb, Allied, Travelers, MetLife, Encompass and many more to ensure that when we shop your insurance, you are getting not only the best coverage, but the best value for your insurance dollar.  In addition to insurance, for single family homes, CAL Financial also offers coverage for condominiums, renters insurance, dwelling insurance for rental properties, and much more.

To purchase a policy, or to learn more about home insurance, contact us today.


Other Lines

In addition to the personal lines items listed above, CAL Financial offers coverage on motorcycles, ATVs, snowmobiles, classic vehicles, boats, jewelry, firearms, excess liability (umbrella) and many other lines.  If you have a need for personal lines insurance, chances are we can help you!