Life doesn’t come with guarantees, but your family’s financial security can. A term life insurance policy gives you affordable, straightforward coverage for a set period, so your loved ones are financially secure if the unexpected happens.
Putano Agency is your go to term life insurance provider, helping individuals and families in California, Texas, and Hawaii get the affordable term life insurance plans that fit their lifestyle and budget. Our simplified and trusted term life insurance services help you get the right coverage at the right price fast and with confidence.
A term life policy gives you financial protection for a specific period—10, 20, or 30 years. If something happens to you within that term, your beneficiaries get a tax-free lump sum to cover:
Unlike whole life insurance, which lasts a lifetime and builds cash value, term life insurance is more affordable—perfect if you need high coverage at a low cost.
Looking for the best term life insurance policy in California? We have low-cost term life insurance plans to fit your needs.
Not all term policies work the same way. Here’s a breakdown of the options available:
The most common type, offering level premiums for a set period (10, 20, or 30 years). Best for families wanting predictable costs.
The payout reduces over time, making it ideal for reducing debt obligations as you age.
The death benefit grows over time, which is great for those who anticipate rising financial responsibilities like higher living expenses or college tuition.
A short-term option that renews each year, best for temporary coverage needs. Premiums increase annually, but it provides flexibility for those unsure about long-term coverage.
Not sure which one is right for you? Head to us. Let’s find a policy that works for you.
We know buying life insurance isn’t something people love thinking about. But getting the right coverage shouldn’t be complicated—or expensive. That’s why we are one of the most reliable term life insurance providers in California, offering policies that are:
Plans that fit every budget.
Coverage options that grow with your life.
Simple applications, with some policies requiring no medical exams.
Top-rated policies that provide trusted protection for your family.
Your search for trusted long-term insurance agencies in Texas ends here. We offer low-cost term life insurance plans in California and Texas, providing you with the right coverage without overpaying.
Life insurance can seem complex, but we're here to make it simple. Our clients often ask these questions when securing their family's future. If you don't see your question answered here, we are always available to provide personalized guidance for your specific situation.
Life insurance provides financial security to your beneficiaries in the event of your passing, ensuring they are taken care of.
Term life insurance covers a set period, while whole life insurance provides lifelong coverage with cash value growth.
We help assess your financial situation to recommend the best coverage for your needs. Generally, consider 10-15 times your annual income, plus outstanding debts, mortgage balance, future education costs, and final expenses to ensure your family maintains their standard of living.
Yes, you can own multiple policies from different providers. This strategy, called “laddering,” can provide higher coverage during your prime earning years and family-raising period, then decrease as financial obligations reduce.
Hear from families who found security, peace of mind, and trust with our life insurance plans.
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At Putano Agency, we are committed to making life insurance simple, accessible, and tailored to your unique needs. With our expertise, we serve families and individuals across California and Texas, offering customized coverage that ensures your loved ones are financially protected.
