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Home > Health Insurance > Life Insurance > Golden State Mutual Life
Golden State Mutual Life
Golden State Mutual Life Insurance Company is a leading provider of Life Insurance, Final Expense Coverage, Annuities, Retirement Income, and Mortgage Protection services and products. Golden State Mutual Life headquartered in Los Angeles, California, the company has more than a billion dollars of insurance in force and services policy owners in more than 14 states.
In addition to its traditional products and services, the company also offers investment services and financial planning through its subsidiary golden state mutual securities. Golden State Mutual seasoned brokers and planners are helping families develop sound financial plans and amass wealth by investing in mutual funds, variable annuities and by protecting that wealth through variable universal life.
Variable Life Insurance is a kind of insurance where the death benefits and cash values depend on the investment performance of one or more separate accounts, which may be invested in mutual funds or other investments allowed under the policy. You will have higher death benefits and cash value if the underlying investments do well. Your benefits and cash value will be lower or may disappear if the investments under perform. You may pay an extra premium for guaranteed death benefit.
Universal Life Insurance is a kind of flexible policy that lets you vary your premiums payments. You can also adjust the face amount of your coverage. Increases may require proof that you qualify for the new death benefit. The premiums you pay go into a policy account that earns interest.5 year term policies offer temporary protection for five years with guaranteed premiums and death benefits. Premiums are level and payable for the specified term period. Insurance may be renewed without evidence of insurability up to age 55.The premium for the renewal policy will be based on the insured’s age at the time of renewal. Insurance may also be converted to a permanent plan of insurance.
The 10 year term policies offer temporary protection for ten years with guaranteed premiums and death benefits. Premiums are level and payable for the specified term period. Insurance may be renewed without evidence of insurability up to age 60.The premium for the renewal policy is based on the insured age at the time of renewal. Insurance may also be converted to a permanent plan of insurance.They provide many other services to provide the highest value insurance and business services, distinguished by exceptional customer service.
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