949-438-5207

Individual Life Insurance in San Clemente CA & Dana Point CA

Reassurance for you and your Loved Ones.

General Insurance Services provides life insurance to individuals in San Clemente, Dana Point, San Juan Capistrano, Laguna Hills, Mission Viejo, Laguna Beach, 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 General 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

General 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. 

General 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 General 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.

General Insurance Services

629 Camino De Los Mares, Suite 306

San Clemente, CA 92673

Main office: 949-438-5207
Toll free: 800-244-9878
Fax: 949-248-1716

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 8:30 AM - 5:30 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

My experience with General Insurance Services has been terrific. They are professional, knowledgeable, quick to respond. I have always felt like they have had my best interest in mind. I highly recommend them.
Kim W
Wonderful, product smart people who answer the phone promptly and know how to listen then find what you are looking for. Very stable. When they have been around for this long, you know they will be there when you need to call.
Gregg M.
As always, you have been there for my wife and me for several years and this is to let you know I do appreciate the personal excellent service you provide to us
Ron C.
I love the service our family receives from General Insurance!
Debbie S.
great company, always helpful!
Harvey D.
I agree, we have been with them for 23 years.
Luci A.
I just wanted to let you know how pleased I am with your excellent service and competitive pricing!
Pamela R.
I have worked with Kathy for about 19 years now. Whatever has been required over the years, she finds the answer. Plus she always remembers me by name right off the bat. Can't say enough good about the service. Highly recommend them.
Sarah C.
I am moving to Vegas and am bummed that Mercury is not there. Donna, I really wish we could stay with you, you have been awesome!
Sue W.
Hi Kathy ... Thank you so much for all your help! You are so wonderful to work with!
Victoria S.
General Insurance Services is a very professional insurance agency that provides information and details on Insurance programs. They are very professional, informative and have a reputation for quick response. They have assisted me in finding the right insurance plans for health, auto, home and business. They have made the subject of insurance very easy for me and I highly recommend this Insurance Agency.
Amanda K.
Just renewed my auto policy again with General Insurance Services, as well as my Health insurance policy for my family and myself. I love the fact that I can call their office anytime and can speak to a human being willing to help me with any questions I have. Super friendly. Always willing to find the best policy at the best price for me. LOVE recommending them to my friends and family.
Jared W.