Life Insurance Made Simple

There are a lot of questions that people have when they are looking for a Life Insurance Policy:

"Why do I need Life Insurance?"

“Where do I start?”

“How much coverage do I need?”

“What kind of policy do I want?”

Falsken & Associates has provided Life Insurance solutions for our clients for over a decade and we’re going to clear up some of the questions you might have whether you're jumping into your next or first insurance policy.

First, let’s define the two separate kinds of Life Insurance Policies:

1) Term Life Insurance

Term Life insurance is the simplest form of life insurance. Customers pay a premium in return for a death benefit. As the name suggests, coverage lasts only for a specified period of time. If the insured dies while the policy is in force, the death benefit will be paid to the beneficiary.

Term insurance is the cheapest form of life insurance, but provides no long-term cash benefits. 

2) Permanent Life Insurance (Cash Value Policies)

Permanent Life insurance offers considerable flexibility to the policyholder. There is no set policy period and the premiums are flexible, death benefits are adjustable and it accumulates cash value. This is useful when you want to cover a long-term need such as income for a spouse, college or end of life expenses.

Unlike Term Insurance, cash value policies provide both a living benefit and a death benefit. These are typically more expensive than term policies, but provide many more long-term benefits.  

We can help you put together a life insurance plan that includes a term policy, a permanent policy, or a combination of both. 

If you’re still having trouble, then head over to our website to learn more about Life Insurance before making your next life insurance purchase. 



Tim Falsken | 805-494-4187 | tfalsken@farmersagent.com

www.farmersagent.com/tfalsken

Why Proper Coverage Matters

We often get asked, "What makes Falsken & Associates different?"

In short, our philosophy. Our philosophy aims to provide coverage that properly protects our clients assets. This helps to make sure our clients are protected in the case of a major loss.

The problem we face in 2014 is that people are choosing their insurance carriers based on price rather than protection. They can go online and get an auto insurance quote in ten minutes, however, they aren't properly educated on what coverage they are needing. This puts them at huge financial risk.

The major benefit of writing with Falsken & Associates is that each client receives personalized protection to meet their coverage needs.

We can review your insurance program to make sure there are no gaps or overlaps in coverage. This insures a streamlined insurance portfolio that is specific to your needs. Our annual reviews ensure that your insurance program stays up to date with all of life's changes.

We aim to minimize the financial consequences of a loss. 

We strive to keep you and your family financially protected, so don't wait to get smarter about your insurance. Call us today and we will help you get back on track and protected from the risks of the everyday life. 

Tim Falsken | 805-494-4187 | www.farmersagent.com/tfalsken

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