{"id":7327,"date":"2020-11-12T22:08:23","date_gmt":"2020-11-12T22:08:23","guid":{"rendered":"http:\/\/palma.youngcompany.dev\/?page_id=7327"},"modified":"2021-02-06T00:10:18","modified_gmt":"2021-02-06T00:10:18","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/palma.youngcompany.dev\/service\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"  >\n<div class=\"e7327-1 x-section\" >\n    \n  <div class=\"x-bg\" aria-hidden=\"true\" >\n    <div class=\"x-bg-layer-lower-video\" ><div  class=\"x-video player bg transparent hide-controls autoplay loop muted\" data-x-element=\"x_mejs\" data-x-params=\"{&quot;poster&quot;:&quot;&quot;}\"  ><script type=\"text\/template\"><div class=\"x-video-inner video\/mp4  transparent\"><video class=\"x-mejs has-stack-styles\" preload=\"metadata\" autoplay loop muted><source src=\"\/wp-content\/uploads\/2020\/11\/cfo-cta-bg.mp4\" type=\"video\/mp4\"><\/video><\/div><\/script><\/div><\/div>      <\/div>\n  \n<div class=\"e7327-2 x-grid x-container max width\" >\n    \n<div class=\"e7327-3 x-cell\" >\n    \n<div class=\"e7327-4 x-text c-heading x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">Life Insurance<\/h1><\/div><\/div><\/div>\n\n<div class=\"e7327-5 x-text body-copy x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\">Protect Your Family. Protect Your Future.<\/p><\/div><\/div><\/div>\n  <\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-6 x-section\" >\n      \n<div class=\"e7327-7 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-8 x-col\" >\n    \n<div class=\"e7327-9 x-row cfo-margin-top\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-10 x-col\" >\n    \n<span class=\"e7327-11 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/cfo-blue-coins-stcked-blur.jpg\" width=\"1038\" height=\"1038\" alt=\"Life insurance experts - coins\" loading=\"lazy\" >\n<\/span>\n  <\/div>\n<\/div>\n  <\/div>\n  <\/div>\n\n<div class=\"e7327-12 x-col  x-hide-sm x-hide-xs\" >\n    \n<div class=\"e7327-13 x-row cfo-margin\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-14 x-col\" >\n    \n<span class=\"e7327-15 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/cfo-coins-piggy-bank.jpg\" width=\"1200\" height=\"1200\" alt=\"Life insurance - savings\" loading=\"lazy\" >\n<\/span>\n  <\/div>\n<\/div>\n  <\/div>\n  <\/div>\n\n<div class=\"e7327-16 x-col  x-hide-sm x-hide-xs\" >\n    \n<div class=\"e7327-17 x-row cfo-margin\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-18 x-col\" >\n    \n<span class=\"e7327-19 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/cfo-hands-paper-family.jpg\" width=\"1038\" height=\"1038\" alt=\"Certified Public Accountant - Family\" loading=\"lazy\" >\n<\/span>\n  <\/div>\n<\/div>\n  <\/div>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-20 x-section\" >\n      \n<div class=\"e7327-21 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-22 x-col\" >\n    \n<div class=\"e7327-23 x-text c-heading x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">What Would Your Family Do If Something Unexpected Happen To You?<\/h2><\/div><\/div><\/div>\n\n<div class=\"e7327-24 x-text body-copy\" >\n  When someone passes away without life insurance the loss becomes compounded when the financial strain starts to bear down on the family. Loved ones who have been left behind with no support system is a situation we see far too frequently. For this reason we incorporate life insurance services into each of our clients\u2019 financial plans.<\/div>\n\n<a class=\"e7327-25 x-anchor x-anchor-button c-heading\" tabindex=\"0\" href=\"https:\/\/calendly.com\/palma-financial\/accounting-meeting-with-miguel\" target=\"_blank\" >\n\n  \n    <div class=\"x-anchor-content\">\n            <div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\" >Schedule Your Consultation Today<\/span><\/div>          <\/div>\n\n        \n  \n<\/a>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-26 x-section\" >\n      \n<div class=\"e7327-27 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-28 x-col\" >\n    &nbsp;  <\/div>\n\n<div class=\"e7327-29 x-col\" >\n    \n<div class=\"e7327-30 x-text c-heading x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Why Hire Palma Financial<\/h2><\/div><\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-31 x-section\" >\n      \n<div class=\"e7327-32 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-33 x-col\" >\n    \n<div class=\"e7327-34 x-row cfo-margin\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-35 x-col\" >\n    \n<span class=\"e7327-36 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/cfo-blue-suit-family-hands.jpg\" width=\"1038\" height=\"1038\" alt=\"Life Insurance San Jose - Increase business\" loading=\"lazy\" >\n<\/span>\n  <\/div>\n<\/div>\n  <\/div>\n  <\/div>\n\n<div class=\"e7327-37 x-col\" >\n    \n<div class=\"e7327-38 x-text body-copy\" >\n  <p>With over 20 years of experience as life insurance experts in San Jose, we have also seen the weight lift of the shoulders of surviving loved ones when they learn that we helped establish an appropriate insurance portfolio, while their significant other was alive.<\/p><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n<div class=\"e7327-39 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-40 x-col\" >\n    \n<hr class=\"e7327-41 x-line\" >\n  <\/div>\n\n<div class=\"e7327-42 x-col\" >\n    &nbsp;  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-43 x-section\" >\n      \n<div class=\"e7327-44 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-45 x-col\" >\n    \n<div class=\"e7327-46 x-text body-copy\" >\n  \n<\/div>\n  <\/div>\n\n<div class=\"e7327-47 x-col\" >\n    \n<div class=\"e7327-48 x-row cfo-margin\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-49 x-col\" >\n    \n<span class=\"e7327-50 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2019\/11\/michael-palma-financial-advisor-sq.png\" width=\"533\" height=\"533\" alt=\"Michael Palma Financial Advisor\" loading=\"lazy\" >\n<\/span>\n  <\/div>\n<\/div>\n  <\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n<div class=\"e7327-51 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-52 x-col\" >\n    &nbsp;  <\/div>\n\n<div class=\"e7327-53 x-col\" >\n    \n<div class=\"e7327-54 x-text c-heading x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Life Insurance Designed To Fit Your Needs<\/h2><\/div><\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-55 x-section\" >\n      \n<div class=\"e7327-56 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-57 x-col\" >\n    \n<div class=\"e7327-58 x-row cfo-margin\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-59 x-col\" >\n    \n<span class=\"e7327-60 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2019\/11\/miguel-cfopage.png\" width=\"533\" height=\"533\" alt=\"CPA San Jose - Miguel Palma\" loading=\"lazy\" >\n<\/span>\n  <\/div>\n<\/div>\n  <\/div>\n  <\/div>\n\n<div class=\"e7327-61 x-col\" >\n    \n<div class=\"e7327-62 x-text body-copy\" >\n  As life insurance experts we craft insurance portfolios around your needs and your goals. Holistic and forward looking planning is imperative when discussing insurance needs, and these days life insurance can be used to handle many challenges and help achieve large goals.<\/div>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-63 x-section\" >\n      \n<div class=\"e7327-64 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-65 x-col\" >\n    \n<a class=\"e7327-66 x-anchor x-anchor-button big-btn\" tabindex=\"0\" href=\"https:\/\/calendly.com\/palma-financial\/accounting-meeting-with-miguel\" target=\"_blank\" >\n\n  \n    <div class=\"x-anchor-content\">\n            <div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\" >Schedule Your Consultation<\/span><\/div>          <\/div>\n\n        \n  \n<\/a>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-67 x-section\" >\n      \n<div class=\"e7327-68 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-69 x-col\" >\n    \n<div class=\"e7327-70 x-text c-heading x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Life Insurance Solves Many Needs<\/h2><\/div><\/div><\/div>\n\n<div class=\"e7327-71 x-text body-copy x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Many people view life insurance as just another expense. Here at Palma Financial, we use life insurance services as an asset as well. Here are a few ways life insurance can be used in a sound financial plan:<\/h2><\/div><\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n<div class=\"e7327-72 x-grid cfo-icons x-container max width\" >\n    \n<div class=\"e7327-73 x-cell\" >\n    \n<div class=\"e7327-74 x-text x-text-headline has-graphic\" >\n  <div class=\"x-text-content\">\n<span class=\"x-graphic\" aria-hidden=\"true\" >\n\n  \n<span class=\"e7327-74 x-image x-graphic-child x-graphic-image x-graphic-primary\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/icon-high-income-strategy.png\" width=\"227.5\" height=\"231.5\" alt=\"Income Replacement\" loading=\"lazy\" >\n<\/span>\n\n<\/span>\n<div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">Income Replacement<\/h3><p class=\"x-text-content-text-subheadline\">The primary function of life insurance is to provide funds to a surviving spouse or loved one in the case of lost income. The death benefit is tax free and goes to the beneficiary for support<\/p><\/div><\/div><\/div>\n  <\/div>\n\n<div class=\"e7327-75 x-cell\" >\n    \n<div class=\"e7327-76 x-text x-text-headline has-graphic\" >\n  <div class=\"x-text-content\">\n<span class=\"x-graphic\" aria-hidden=\"true\" >\n\n  \n<span class=\"e7327-76 x-image x-graphic-child x-graphic-image x-graphic-primary\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/icon-college-planning.png\" width=\"227.5\" height=\"231.5\" alt=\"College Planning\" loading=\"lazy\" >\n<\/span>\n\n<\/span>\n<div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">College Planning<\/h3><p class=\"x-text-content-text-subheadline\">Using life insurance as a tool to provide a means for kids and grandkids to go to college is very common. The idea of direct children and descendants benefiting from a difficult time is of great comfort to many clients.<\/p><\/div><\/div><\/div>\n  <\/div>\n\n<div class=\"e7327-77 x-cell\" >\n    \n<div class=\"e7327-78 x-text x-text-headline has-graphic\" >\n  <div class=\"x-text-content\">\n<span class=\"x-graphic\" aria-hidden=\"true\" >\n\n  \n<span class=\"e7327-78 x-image x-graphic-child x-graphic-image x-graphic-primary\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/icon-retirement-planning.png\" width=\"227.5\" height=\"231.5\" alt=\"Retirement Planning\" loading=\"lazy\" >\n<\/span>\n\n<\/span>\n<div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">Retirement Planning<\/h3><p class=\"x-text-content-text-subheadline\">Life insurance can provide tax free income at retirement! Many people don\u2019t realize, but using life insurance this way, turns it into an asset rather than a liability.<\/p><\/div><\/div><\/div>\n  <\/div>\n\n<div class=\"e7327-79 x-cell\" >\n    \n<div class=\"e7327-80 x-text x-text-headline has-graphic\" >\n  <div class=\"x-text-content\">\n<span class=\"x-graphic\" aria-hidden=\"true\" >\n\n  \n<span class=\"e7327-80 x-image x-graphic-child x-graphic-image x-graphic-primary\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/icon-legacy-planning.png\" width=\"227.5\" height=\"231.5\" alt=\"Legacy Planning\" loading=\"lazy\" >\n<\/span>\n\n<\/span>\n<div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">Legacy Planning<\/h3><p class=\"x-text-content-text-subheadline\">Build a foundation or a charity. Donate to your college or high school. Make an impact in the community around you. These are the goals that many of my clients have already achieved.<\/p><\/div><\/div><\/div>\n  <\/div>\n\n<div class=\"e7327-81 x-cell\" >\n    \n<div class=\"e7327-82 x-text x-text-headline has-graphic\" >\n  <div class=\"x-text-content\">\n<span class=\"x-graphic\" aria-hidden=\"true\" >\n\n  \n<span class=\"e7327-82 x-image x-graphic-child x-graphic-image x-graphic-primary\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/icon-estate-taxes.png\" width=\"227.5\" height=\"231.5\" alt=\"Estate Taxes\" loading=\"lazy\" >\n<\/span>\n\n<\/span>\n<div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">Estate Taxes<\/h3><p class=\"x-text-content-text-subheadline\">If you have a higher net worth, you run into the unique problem of estate taxes. Life insurance can be used to cover that bill, so your beneficiaries don\u2019t have to sell assets out of your estate.<\/p><\/div><\/div><\/div>\n  <\/div>\n\n<div class=\"e7327-83 x-cell\" >\n    \n<div class=\"e7327-84 x-text x-text-headline has-graphic\" >\n  <div class=\"x-text-content\">\n<span class=\"x-graphic\" aria-hidden=\"true\" >\n\n  \n<span class=\"e7327-84 x-image x-graphic-child x-graphic-image x-graphic-primary\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2020\/11\/icon-guaranteed-insurability.png\" width=\"227.5\" height=\"231.5\" alt=\"Guaranteed Insurability\" loading=\"lazy\" >\n<\/span>\n\n<\/span>\n<div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">Guaranteed Insurability<\/h3><p class=\"x-text-content-text-subheadline\">Certain products that we have guarantee you will be insured. Additionally, if you purchase life insurance for kids or young adults, they can keep and use this policy later in life, even if they become uninsurable.<\/p><\/div><\/div><\/div>\n  <\/div>\n  <\/div>\n    <\/div>\n\n<div class=\"e7327-85 x-section\" >\n      \n<div class=\"e7327-86 x-row x-container max width\" >\n    <div class=\"x-row-inner\">\n<div class=\"e7327-87 x-col\" >\n    \n<span class=\"e7327-88 x-image\" >\n  <img src=\"http:\/\/palma.youngcompany.dev\/wp-content\/uploads\/2019\/11\/women-min.png\" width=\"519\" height=\"519\" alt=\"Image\" loading=\"lazy\" >\n<\/span>\n\n<div class=\"e7327-89 x-text x-text-headline\" >\n  <div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\">\"Having an accountant is valuable. As my business began picking up speed, I realized that I couldn't do accounting myself, and hiring someone full time wasn't an option. Palma Financial fits this need perfectly. Thank you!\"<\/p><\/div><\/div><\/div>\n\n<div class=\"e7327-90 x-text body-copy\" >\n  <p>Sarah Camden<\/p><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life Insurance Protect Your Family. Protect Your Future. What Would Your Family Do If Something Unexpected Happen To You? When someone passes away without life insurance the loss becomes compounded when the financial strain starts to bear down on the family. Loved ones who have been left behind with no support system is a situation we see far too frequently. &#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6350,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank-4.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Life Insurance Services | Life Insurance San Jose CA | Palma Financial Services Inc.<\/title>\n<meta name=\"description\" content=\"Palma Financial has over 20 years of experience providing life insurance services to our clients. 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