Life Insurance

Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost effective ways to protect the people who depend on you financially. What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle? Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?

If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer. If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though:

  • charitable donations
  • pay federal death and estate taxes
  • create an inheritance for your heirs
  • pay final expenses

We make buying life insurance easy

At Atchley & Associates Insurance, we make the process of buying life insurance extremely simple.

We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price.

When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance, or Whole Life?

If you don’t understand the difference that’s okay. That’s what we’re here for.

Life insurance is based on two main variables — your age, and your health.

Term Life

Term life insurance is an affordable way to protect your family against unexpected financial debts after your death. Find out more.


Learn More

Key Man

Key man insurance offers a solution that can help your business survive if something happens to the most essential person or people involved.


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How much life insurance do I need?

A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.

One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.

The amount of coverage you need depends on a number of different variables. Here are a few examples:

  • how many children you have
  • your future earnings potential
  • whether or not your married
  • spouses future earnings potential
  • you and your spouses age
  • amount of debt you have

If you have questions, or would like the get the ball rolling, give our office a call, or get a quote online now.

Riverside California's Premier Insurance Agency  Get Quote