Life and Health Insurance in Costa Mesa, CA

Life and health insurance are crucial parts of a sound financial plan, helping you and your loved ones prepare for uncertainties. Life insurance can help provide financial support to your family in the event of your passing, potentially easing the strain that can follow an unexpected loss. Health insurance can help make the cost of medical care more manageable when illness or injury occurs.

What Is Life Insurance?

Life insurance can support your family’s financial future even if you’re no longer there to support them. Proceeds of a life insurance policy can help manage a family’s ongoing expenses and other important obligations, including paying off outstanding debts, covering funeral and burial costs, setting aside funds for children’s educations and supporting broader estate planning needs.

Life insurance often comes in two primary forms:

• Term life insurance may provide coverage for a set period, typically 10 to 30 years. If the insured dies during the term, beneficiaries can claim the death benefit. Coverage ends when the term expires unless the policy allows renewal or conversion.
• Permanent life insurance can offer lifelong coverage as long as premiums are paid. Policies may also build cash value over time, which can be accessed for various financial needs.

What Does Health Insurance Cover?

Health insurance is essential for managing medical costs and accessing quality care. Plans may cover a range of essential services, such as doctor visits, check-ups, prescription medications, emergency care, hospital stays, preventive services, mental health treatment, maternity and newborn care and various rehabilitation therapies.

There’s a wide range of health insurance plans and optional add‑on coverage available, such as the following:

• Individual and family plans
• Group coverage for businesses
• Supplemental health policies
• Dental and vision benefits
• Prescription drug plans
• Disability insurance
• Long‑term care insurance

Learn More

Trilogy Insurance Brokers, Inc. can guide you through California’s life and health insurance options to help you choose coverage that meets your needs. Contact us today to schedule a consultation with our team.