Overview
Life insurance replaces income, pays off debts and covers future costs if you pass away, so your family isn't left with a financial burden.
For business owners, life insurance can also protect the company itself, for example if the business depends on a key person. We'll walk you through how much coverage makes sense and which type fits your goals.
What's covered
- Term lifeAffordable coverage for a set number of years
- Permanent lifeLifelong coverage that can build cash value
- Key person coverageProtects your business if a key person passes away
- Coverage reviewsWe check your coverage as your life and business change
Who it's for
Parents, homeowners, anyone with people who depend on their income, and business owners who want to protect their company and partners.
A common starting point is coverage that would replace several years of income and pay off your mortgage and other debts. We'll help you work out a number that fits your situation.
Why work with Assan Insurance Agency
We've served Los Angeles businesses and property owners since 2000 from our office on Westwood Boulevard. You work directly with the owner, Kamran Lalehpour, in English or Farsi, and we review your coverage every year so it keeps up with your business.
Common questions
What's the difference between term and permanent life insurance?
Term life covers you for a set period, like 10, 20 or 30 years, and usually costs less. Permanent life covers you for life and can build cash value over time, but costs more.
How much life insurance do I need?
It depends on your income, debts, family and goals. Many people start with enough to replace several years of income and pay off their mortgage. We'll help you figure out the right amount.
What is key person insurance?
It's a policy a business owns on someone the company depends on, like an owner or top employee. If that person passes away, the payout helps the business cover lost revenue or find a replacement.
Do I need a medical exam?
It depends on the policy and the amount of coverage. Some policies require an exam and others don't. We'll explain your options.