Risk Management Analysis - Life Insurance - Long Term Care
Accidental Death and Dismemberment - Auto and Home
Credit Life and Credit Disability - Mechanical Breakdown Protection
Every financial plan must take into account, and manage, the risk factor involved. A key component of risk control is insurance and Western offers a wide variety of insurance products and services to protect you and your family. For more information about the products and services offered through Western, please email a Financial Consultant, or call 310-536-5042 or 877-254-9328, option 6, or click one of the links below.
The following products are offered by the Credit Union or affiliated service providers:
- Accidental Death and Dismemberment Insurance
- Auto and Home Insurance
- Credit Life and Credit Disability Insurance
- Mechanical Breakdown Protection
Risk Management Needs Analysis
A Risk Management Needs Analysis is a key component of any comprehensive financial plan and will ease your anticipation of the unexpected. We can help you determine which assets you wish to protect against injury, damage, or loss and the appropriate insurance coverage needed to guard those assets.
For more information about this service, please email a Financial Consultant, or call 310-536-5042 or 877-254-9328, option 6.
Life Insurance
Term Life Insurance
Term Life Insurance provides life insurance coverage for a specific time period (term). It is often referred to as temporary insurance or pure insurance. The face amount of the policy is paid to your named beneficiary in the event of death during the term of the policy.
Permanent Insurance
Permanent Insurance policies provide insurance protection for your entire life as long as the policy remains in force. In addition to the insurance protection provided, this type of policy builds internal cash values, often described as a tax-advantaged savings account within the policy. The different kinds of Permanent Insurance policies include:
- Whole Life
- Variable Life
- Universal Life
- Variable Universal Life
- Joint Life (first deceased)
- Survivorship (second deceased)
For more information about this service, please email a Financial Consultant, or call 310-536-5042 or 877-254-9328, option 6.
Long-Term Care Insurance
Long-Term Care Insurance involves a wide variety of services for people with a prolonged physical illness, disability, or cognitive disorder. Long-Term Care Insurance helps to defray the costs of nursing home care, assisted living facilities, or home health care. It's designed to protect an individual's life savings from being depleted as a result of associated long-term care expenses not covered by traditional health or Medicare insurance.
For more information about this service, please email a Financial Consultant, or call 310-536-5042 or 877-254-9328, option 6.
| Securities and annuities transactions are offered through XCU Capital Corporation, Inc., member NASD, SIPC. Insurance is offered through Focus Insurance Agency, Inc., a wholly owned subsidiary of XCU Corporation, Inc., license number in California is #0727864. | |
| Investment and insurance products are not credit union deposits, are not insured by the NCUA or any federal government agency, are not obligations of or guaranteed by Western, or XCU Capital Corporation, Inc., or Focus Insurance Agency, Inc., and subject to investment risks, including possible loss of principal amount invested. |
