If you’re thinking about how to protect your family’s financial future, life insurance is one of the most valuable tools available. But many people still wonder: What is life insurance, and what does it actually cover?

As a local life insurance agent based in San Diego, I help individuals and families every day understand their options and make confident decisions about their coverage. Here’s a simple guide to help you learn the basics.

What Is Life Insurance?

Life insurance is a contract between you and an insurance company. You agree to pay a monthly or yearly premium, and in return, the insurance company pays a tax-free death benefit to your beneficiaries when you pass away.

This financial support can help your loved ones:

• Pay funeral and burial costs

• Cover outstanding debts or a mortgage

• Replace your lost income

• Fund college tuition

• Maintain their quality of life

What Does Life Insurance Cover?

Most life insurance policies provide coverage for a wide range of circumstances:

✅ Commonly Covered:

• Natural death (due to illness or aging)

• Accidental death (car crashes, falls, etc.)

• Terminal illnesses (some policies offer accelerated death benefits)

• Death during approved travel or activities

• Living Benefits – Coverage for Cancer, Stroke, Heart Attack, etc.

❌ Typically Not Covered:

• Suicide (within the first two years of the policy)

• Death due to illegal acts or criminal activity

• Misrepresentation on the application (e.g., hiding medical conditions)

• Risky hobbies not disclosed in advance

A trusted San Diego life insurance agent can help make sure you fully understand your policy and avoid any surprises.

📞 Ready to Talk?

Let’s make sure your loved ones are protected.

👉 Call or text 858-943-3555
👉 Email: [email protected]
👉 Book a free consultation here: https://brettwelty.cbisusa.com/appointment    

Types of Life Insurance to Consider

There are several options, each with different levels of coverage and flexibility:

1. Term Life Insurance

• Lasts for a set term (10, 20, 30 or 35 years)

• Affordable premiums

• Ideal for young families or mortgage coverage

2. Whole Life Insurance

• Lifetime coverage

• Builds cash value over time

• Fixed premiums

3. Universal Life Insurance

• More flexible policy

• Cash value growth tied to market performance or a fixed interest rate

Why San Diego Residents Choose Life Insurance

Whether you’re a new parent, a homeowner, or planning for retirement, life insurance helps ensure your loved ones stay financially secure—especially with the high cost of living in San Diego.

Working with a local San Diego life insurance expert means you get advice from someone who understands the community, cost of living, and what local families truly need.

Work With a Trusted San Diego Life Insurance Agent

We are a licensed agency in San Diego, and we’re here to help make the process simple and stress-free. We work with top-rated carriers to find you the right coverage at the best possible price.

When you work with us, you get:

• One-on-one consultations (in-person or virtual)

• A clear explanation of all your options

• Support throughout the application process

📞 Ready to Talk?

Let’s make sure your loved ones are protected.

👉 Call or text 858-943-3555
👉 Email: [email protected]
👉 Book a free consultation here: https://brettwelty.cbisusa.com/appointment    

Your future peace of mind starts with one simple conversation.