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Individual Life Insurance in San Jose, CA and San Francisco, CA

Reassurance for you and your Loved Ones.

ISU Lovering Insurance Services provides life insurance to individuals in San Carlos, San Jose, San Francisco, San Mateo, Palo Alto, Santa Clara, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At ISU Lovering Insurance Services, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

ISU Lovering Insurance Services offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

ISU Lovering Insurance Services is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with ISU Lovering Insurance Services will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

ISU Lovering Insurance Services

1121 Laurel Street
San Carlos, CA 94070
Main office: 650-362-8470
Fax: 650-593-7410
Fax: 650-228-5663

Our Providers

Testimonials

"I love working with ISU members because they are personable and professional."

"I love working with ISU members because they focus and appreciate quality first then price."

"I love working with ISU because the members I have met are polite, hard-working and dedicated to protecting their clients' best interests. ISU members are collectively the most professional, humble and straightforward group of agents I have had the pleasure of working with in my 18 years in insurance."

"I love working with ISU members because of the ease of doing business and the knowledge that many of the members are instilled with in regards to coverages, forms, etc."

"I love working with ISU members because they are all beautiful people. We started with very little premium and have built an empire! Our year-end 2010 So CA Select Accounts written premium totals $6,000,000. What’s not to love….! I consider so many of you friends not just business acquaintances. You are by far the most wonderful group of individuals I work with. And, you are all stuck with me for many more years because “I ain’t givin you up”!"

"I love working with ISU members because they are some of the best agents in the industry!"

"I love working with ISU members because they are very professional and provide complete submissions. If we need additional info they get it back promptly. They make our jobs easier. They have some pretty interesting accounts too!!"

"I love working with ISU members because ISU members work as hard for Travelers as we do for them. Whether it be a large account or a small account, ISU members are constantly thinking of how and what business they can place with or keep with us. The members are professional with a sense of humor, understanding of our appetite, eager to give us the first shot or last look on renewals. I look forward to working with my agents every day! I also love the sense of 'family' I have with the ISU members. I can't say enough about how much I love working with all of them!"

"I love working with ISU members because they are professional and knowledgeable."