Personal Life Insurance
Personal Life insurance provides tax-free cash benefits to certain beneficiaries following the death of the insured person. Life insurance premiums vary but are typically calculated based on factors like your age, gender, health and family medical history.
How Personal Life Insurance Works
Peace of Mind for You and Your Family
Tax-Free Benefits
Payouts go directly to beneficiaries without tax implications.
Customizable Coverage
Choose coverage amounts based on financial needs and long-term goals.
Premium Factors
Rates are based on age, gender, health, and family medical history.
Secure Your Family’s Future Today
Why Personal Life Insurance Matters
Ensuring Financial Protection Beyond Your Lifetime
- Cover Funeral and Burial Costs: Reduce the financial burden on loved ones.
- Pay Off Debts: Ensure outstanding loans, mortgages, and other obligations are covered.
- Provide Income Replacement: Help dependents maintain their standard of living.
Meet John M. Moody, CFP, CLU, ChFC
Your Expert in Benefits and Life
John M. Moody, CFP, CLU, ChFC leads the Arroyo-South Bay Group Benefits Brokerage (HR, Admin Worksite, Voluntary Enrollment, PEO) Pension, 401K, Profit-Sharing, Long Term Care, Deferred Compensation, Estate Advisory Services and serves a variety of industries such as real estate, hospitality and restaurants, construction, technology, manufacturing, entertainment, trucking, breweries and wineries, and environmental to name a few. Provides employee benefits brokerage to companies sized 1-1000 employees and works with every major healthcare, life, voluntary and TPA carrier.
Client Services
Customized Insurance for Every Need
From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.
