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If You're over 45 and have an estate worth more than $5 million dollars you may qualify for our new "Premium Alternative Life Insurance" program.


Most people don't mind owning life insurance... they just hate paying for it. If you count yourself in that group, California Family & Business Insurance Agency has engineered an exclusive program just for you. With our "Premium Alternative" Insurance Program you can obtain large individual or survivorship policies - at a fraction of the actual out of pocket cost.

Here's a true story that illustrates how the "Premium Alternative Life Insurance Program" was recently used by California Family & Business Insurance Agency to save one client over $1,750,000 in the first three years of the policy alone.

The president of a company with a $50 million estate needed to obtain a $20 million life insurance policy to preserve his estate for his children. After an exhaustive search the best available life insurance policy that he could qualify for required an $800,000 annual premium payment.

With the "Premium Alternative Life Insurance Program" Family & Business Insurance Planners were able to provide their client the same level of coverage with a substantial reduction in the annual expense. In fact using the "Premium Alternative Life Insurance Program" reduced his out of pocket costs to only $150,000 the first year, $200,000 the second, $300,000 the third and $500,000 thereafter. In the first three years alone our client was able to save over $1,750,000, and he will continue to save at least $300,000 every year thereafter.


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