Life Insurance
Life insurance designed around your family
Coverage for every stage of life
Life insurance isn't one-size-fits-all — and the right policy at 30 looks different than the right policy at 55. Kevin Baker Insurance Agency offers term insurance, permanent insurance, variable life insurance, and long-term care insurance plans to help you protect your family and plan for the future.
We'll walk through your goals, your budget, and your family's situation to find coverage that makes sense — and we'll be here to review it as life changes.
Life insurance options built for your goals
From straightforward term coverage to permanent plans with a cash value component, we'll help you understand your options and choose what fits your family's needs and long-term financial plan.
Plan Types
- Term Life Insurance
- Permanent Life Insurance
- Variable Life Insurance
- Long-Term Care Insurance
- Beneficiary Planning
FAQ
Frequently Asked Questions
What's the difference between term and permanent life insurance?
Term life provides coverage for a set period — commonly 10, 20, or 30 years — and pays out if you die during that term. It's typically the most affordable option. Permanent life insurance (whole life, universal life, variable life) covers you for life and builds cash value over time. The right choice depends on your goals, your family situation, and your budget.
How much life insurance do I need?
A common starting point is 10–12 times your annual income, but the right number depends on your debts, dependents, income replacement needs, and long-term financial goals. We'll walk through your situation to arrive at a number that actually protects your family rather than guessing.
What is long-term care insurance and do I need it?
Long-term care insurance covers the cost of extended care services — nursing home, assisted living, or in-home care — that standard health insurance and Medicare typically don't cover. Given the high cost of care in California, it's an important part of a complete financial plan, especially if you have assets you want to protect.
Can I get life insurance if I have a health condition?
Many people with health conditions can still qualify for life insurance — the impact on your premium and coverage options depends on the specific condition and your overall health profile. We'll help you understand what's available for your situation.
Get a Free Life Quote
Tell us about you — we'll take it from there.
Helping Chico families plan for the future since 2017