Come to O'Donnell Insurance Services for local, personal service from one of Placerville, California's most established insurance agencies. We are here to help you sort through all your life insurance options so you can replace income for your dependents if you die. Life insurance is a wise choice for parents with young children; for couples who rely on each other's income, and for dependent adults, such as parents, siblings or children who continue to rely on you financially. You may also need life insurance for business purposes, to cover a key player or business partner.
California life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. It can also cover federal and state death and estate taxes so that your heirs do not have to liquidate other assets or take a smaller inheritance.
Our affordable Placerville life insurance policies can even help you create a source of savings. Some plans create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner's request.
What are the Different Types of Life Insurance?
If you are like most of our O'Donnell Insurance Services customers and prefer simplicity, choose Term Life Insurance. This option pays out only if death occurs during the term of the policy, which usually ranges from 1-30 years. In contrast, Whole Life Insurance pays a death benefit whenever you die regardless of your age. The death benefit and premium will stay the same throughout the life of the policy.
Our agents are here to help insure that your financial plan is sound. If you are in Sacramento, Folsom, El Dorado Hills, Cameron Park, or Placerville, life insurance from O'Donnell Insurance Services might be right for you.