Automobile Club of Southern California Life Insurance Review

Automobile Club of Southern California Life Insurance is a life insurance carrier based in Costa Mesa, CA. The company was founded in 1900 and offers life insurance products in 49 states (and Washington, DC).

What types of life insurance products does Automobile Club of Southern California Life Insurance offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Automobile Club of Southern California Life Insurance offers.

• Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Automobile Club of Southern California Life Insurance offers term lengths ranging from 10 to 30 years. Death benefit amounts range from $25,000 to $5,000,000.
• Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
• Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
• Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.

As well as the basic coverage types mentioned above, Automobile Club of Southern California Life Insurance company also offers the following life insurance policies:

• Final Expense - Even bare-bones funerals can cost thousands of dollars. These whole life insurance policies, also known as burial insurance, cover funeral and burial costs.

How can you save money on a Automobile Club of Southern California Life Insurance life insurance policy?

When you ask for a life insurance quote with Automobile Club of Southern California Life Insurance, ask what discounts are available for various life insurance options.

These include:

What is the financial strength rating of Automobile Club of Southern California Life Insurance?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Automobile Club of Southern California Life Insurance an A-. Life insurance companies with this score show an excellent ability to cover their life insurance responsibilities.

SuperMoney's financial strength rating is primarily based on the average score from insurance rating agencies.