Personal Insurance

Get insurance that goes above and beyond

In this lawsuit-happy day and age, it is important that your insurance policies are comprehensive and offer protection against possibly destructive liability claims. Make sure your insurance meets all of your needs with an umbrella policy from B & H Brokers Inc.

Obtenga un seguro que vaya más allá 

En esta época de demandas a diestra y siniestra, es importante que sus pólizas de seguro sean inclusivas y que le ofrezcan protección contra demandas de responsabilidad potencialmente destructivas. Asegurese que su seguro satisfaga todas sus necesidades con una poliza de cobertura total con  B & H Brokers Inc.

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Personalized coverage

You will work directly with one of our friendly, experienced agents to determine what type of coverage would be best for you, based on your specific situation and assets. This policy will then work with your existing liability coverage to ensure you are prepared for any contingency, all at the price of about $1 a day.
Covertura Personalizada

Usted trabajará directamente con uno de nuestros amables y experimentados agentes para determinar qué tipo de cobertura seria 
seria la más óptima para Usted, basados en su situación específica y sus bienes. Esta póliza entonces trabajará con su  cobertura actual de responsabilidades para asegurar que Usted esté preparado para cualquier contingencia, todo por el precio de -aprox- $1 dólar por dia.
Receive more than just insurance

Have access to efficient and affordable money transfer services and DMV resources, as well as qualified residential and commercial insurance services, when you come to B & H Brokers Inc.
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Obtenga algo más que sólo una póliza de seguro

Tenga acceso a servicios eficientes y de bajo precio de transferencias de dinero y
 
recursos para el DMV, asi como servicios calificados de seguros residenciales y comerciales, cuando Usted acude a B & H Brokers Inc.
 
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Personal Insurance
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Family Insurance
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Liberty Mutual Insurance
Life insurance products for groups are different from life insurance sold to individuals. The information below focuses on life insurance sold to individuals.
Las características de los seguros de vida grupales son distintos a los seguros de vida vendidos a individuos. La siguiente información está enfocada el seguros de vida para individuos.
Whole Life Policies

Whole life/permanent

Whole life or permanent insurance pays a death benefit whenever you die—even if you live to 100!

 

There are three major types of whole life or permanent life insurance:

- Traditional whole life

- Universal life

- Variable universal life

 

and there are variations within each type:

Whole or ordinary life

This is the most common type of life insurance policy.

It offers a death benefit along with a savings account.

If you pick this type of life insurance policy, you are agreeing to pay a certain amount in premiums on a regular basis for a specific death benefit.

Universal or adjustable life

This insurance offers you more flexibility than whole life insurance. The savings vehicle (called a cash value account) generally earns a money market rate of interest. After money has accumulated in your account, you will also have the option of altering your premium payments. This can be a useful feature if your economic situation has suddenly changed.

Variable life

This policy combines death protection with a savings account that you can invest in stocks, bonds and money market mutual funds. The value of your policy may grow more quickly, but you also have more risk. If your investments do not perform well, your cash value and death benefit may decrease. Some policies, however, guarantee that your death benefit will not fall below a minimum level.

Variable-universal life

If you purchase this type of policy, you get the features of variable and universal life policies. You have the investment risks and rewards characteristic of variable life insurance, coupled with the ability to adjust your premiums and death benefit that is characteristic of universal life insurance.

Term Policies

Term Insurance is the most basic form of life insurance. It pays only if death occurs during the term of the policy, which is -usually- from one to 30 years.

Most term policies have no other benefit provisions.

There are two basic types of term life insurance policies: level term and decreasing term.

  • Level term means that the death benefit stays the same throughout the duration of the policy.

  • Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term.

The terms “level” and “decreasing” refer to the death benefit amount during the term of the policy. A level term policy pays the same benefit amount if death occurs at any point during the term.

Common types of level term

  • Yearly- (or annually-) renewable term

  • 5-year renewable term

  • 10-year term

  • 15-year term

  • 20-year term

  • 25-year term

  • 30-year term

  • Term to a specified age (usually 65)

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