Morey Insurance Group
Morey Insurance Group

Life Insurance

You can get peace of mind, knowing you've helped protect your loved ones.


Life insurance can help provide for the people who depend on you financially, if you can't be there for them. The money can be used for final expenses, help to replace your lost income, cover debts, pay your mortgage, fund a child's education, and more.


But which type of life insurance is right for you?  Confused by all of the options?  Let us help sort things out, so you can make the best decision for you and your family. 


Let's start with some basic understanding of your options: 

Fixed Index Universal Life Insurance

What is Fixed Index Universal Life Insuarance?


Indexed universal life insurance (IUL) is permanent life insurance that offers death benefit protection when death occurs.  Like other forms of permanent life insurance, your premium payments may earn interest and grow the cash value of your policy.


What differentiates IUL from other permanent life insurance is the way interest is credited to the policy. In addition to offering a traditional declared interest rate, IUL also offers the ability to earn interest that is linked to the movement of a selected stock market index over a specific period of time.


The manner in which interest is credited to your IUL policy gives you the potential for strong cash value accumulation. A key benefit to remember is that it offers protection in a poorly performing market.


With IUL, you don’t participate directly in the stock market and the credited interest rate is never less than zero percent, guaranteed.


Below is a document from North American that details the benefits of a Fixed Index Universal Life Insurance policy. 

Understanding Index Universal Life Insurance
Download this report to learn the value of an Indexed Universal Life Insurance Policy.
Understanding Index Universal Life Insur[...]
Adobe Acrobat document [1.8 MB]

For more information, or to see if an IUL policy is right for you, check out the video here:  Fixed Index Universal Life Insurance.  Or, Contact Us!


Phone: 916-652-8440
Toll Free: 1-800-283-1503


Whole LIfe Insurance

What is Whole Life Insurance?


Whole Life Insurance is a form of permanent life insurance that features guaranteed premiums, death benefits, and cash value.


This type of insurance is also commonly referred to as Burial Insurance or Final Expense Insurance. 


Guaranteed level premiums. The premiums you pay are guaranteed to remain the same for the life of the policy, regardless of age or health.


Guaranteed death benefits. Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time.


Guaranteed cash value. Your cash value will grow each year, tax-deferred, until it matches the face value of your policy. When you need it most, you’ll have access to your cash through loan and withdrawal options.


For more information, visit our page: Whole Life Insurance, or


Click Here for a 
FREE QUOTE on Burial Insurance


Phone: 916-652-8440

Toll Free: 1-800-283-1503

Term Life Insurance

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years. You may want to purchase a term life insurance policy to:


  • Get maximum coverage at an affordable price 
  • Cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy or work policy


Before you jump at the lowest premium you find, let us discuss adding Living Benefits to your term life insurance policy.  Living Benefits allow you to protect yourself while you are living, in the event you suffer a chronic illness or terminal illness. 


Check out our recommendation for the best Term Life Insurance with Living benefits on our page: Term Life Insurance, or Contact Us! 


Phone: 916-652-8440

Toll Free: 1-800-283-1503

Morey Insurance Group

Serving all of Placer County and Sacramento County




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Contact us today to schedule a personalized review of your requirements

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