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     (818) 746-3083 Main Line

     21747 Erwin Street, 2nd Floor
Woodland Hills, CA 91367

License Number 0G72972



Protecting yourself is important. Protecting your family is what matters most. At HCF our life insurance policies can meet the needs of anyone looking to secure their loved ones.

Life insurance shouldn’t be a luxury, it should be a priority. When you consider what is worth insuring, shouldn’t your life be the first thing that comes to mind? In the event of a tragedy, you want the knowledge that your family is being provided for and won’t suffer financial distress in the years to come, and finding a policy that is best for you is what the experts at HCF insurance are here for. Every time you make a payment towards your life insurance plan, you are securing your families future, and there is no better feeling than knowing that.

Just like securing a home or a car, there are options when it comes to deciding which life insurance options suit your needs, and budget. Knowing what the best policy or combination of policies is can be a huge task to undertake, and making sure you understand what you’re paying for is critical when making a decision. We are well versed in all of the choices you have for life insurance from the most basic term life insurance to an extensive whole life policy. Three of the most general options for life insurance include:

  • Term Life Insurance                                                                                                                                                                                                          These policies are for a set period of time in your life, and rates can change after a term expires. These are often the most affordable plans because they provide higher coverage for lower premiums, but equity cannot be built from a term life policy. Most individuals who go with a term life insurance plan need coverage for a particular span of time to ensure the wellbeing of their family, in many cases this time frame ends when children begin to live independently.
  • Whole Life Insurance                                                                                                                                                                                                            A whole life policy does not have an expiration date, and can build cash equity unlike a term life plan. While these plans generally cost more, in the long run the investment be far more valuable and might pay off greatly during retirement.
  • Universal Life Insurance                                                                                                                                                                                                      A universal life insurance policy gives you benefits from both term and whole life policies, and is more flexible to fit your needs. While universal coverage lasts your entire lifetime, you are able to change payments when it is necessary, putting emphasis on certain periods of your life. In addition, the policy builds cash value that becomes available after a certain period, benefitting you greatly.


No matter what you are looking for in a life insurance plan, we can get you the coverage you want at a price that’s right for your lifestyle. Don’t postpone your phone call any longer; reach out to us now and start protecting your most important assets, you and your family. 


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