Military and First Responders

Building Financial Futures

Obtaining affordable Life Insurance coverage.

We are committed to assisting the men and woman that serve this great country, plan for their future and address a wide range of Insurance and Financial needs. We assist individuals and families of the:

  • Military
  • Police Department
  • Fire Department
  • First Responders
  • Homeland Security
  • Civil Air Patrol
  • Department of Defense

Our goal is to provide the tools and knowledge necessary to make educated decisions about:

  • Retirement Planning
  • College Funding
  • Income Replacement
  • Fixed Annuities
  • Life Insurance
  • Long Term Care
  • Disability Insurance
  • Business Benefits
  • Funeral Expenses

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Information and Questions

Here are some questions and things to think about when it comes to Insurance Services for Military and First Responders

The average amount of Life Insurance purchased?

While this number may vary, national statistics show that the average amount of Life Insurance purchased for an individual is between $150,000- $200,000.

The average cost of Life Insurance?

That depends on your age, your health and the size of the death benefit you want. No surprise that the younger and healthier you are, the lower your premium will be. Life insurance cost may be dependent upon a number of things including your overall health, your age and gender, the type of life style you lead and may even be different depending on your geographical location.

The types of Life Insurance available?

There are several variations of Life Insurance available. The four basic types of Life Insurance we offer to our clients are: Term, Whole Life, Universal Life, and Indexed Universal Life.

The average age to attain Life Insurance?

According to national statistics the average age men and women purchase Life Insurance is between 36-42 years old.

The common uses for Life Insurance?

Life Insurance can be used to address many issues which include: protecting a mortgage, replacing income, paying for funeral costs, funding a college education, protecting a business, and preserving an estate.

When should I get Life Insurance?

This depends on what the need for life insurance is. Typically the younger the age that you obtain life insurance, the more cost effective it will be. Other factors would include your current health and how long you need the life insurance for.

How many years do I need Life Insurance?

When calculating the number of years in which you need life insurance, knowing the specific purpose of the insurance is imperative. For instance, if the purpose of the life insurance was for Mortgage Protection you would calculate the number of years remaining on the mortgage and use that number as a starting point for the number of years in which you need to be covered.

What types of Life Insurance are available for me?

There are various types of life insurance available to you today. This includes, but is not limited to; Term, Whole Life, Universal Life and Indexed Universal Life. The purpose of the life insurance you wish to obtain is a deciding factor in determining which type of coverage best suites your needs. Meeting with a licensed Life Insurance Agent would help you with this decision.

How much Life Insurance do I need?

There are several factors to take into consideration when determining how much life insurance you need. The amount of coverage that you need today may change from the amount that you need tomorrow. Meeting with a licensed Life Insurance Agent would help you determine how much insurance you need today as well as in the future.

Where do I obtain Life Insurance?

Life insurance is obtained from a Life Insurance Company. Sullivan Capital and its representatives represent a multitude of Life Insurance Companies in order to offer our clients cost effective solutions. Simply Contact Us and we can help you get the process started today.

Why should I have Life Insurance?

There could be numerous reasons why you should have life insurance. Some common reasons for having life insurance are for; Final Expenses, Mortgage Protection, Income Replacement, Retirement Planning, College Funding, Asset and Business Protection and simply leaving a legacy to your heirs. Only you can determine what the true need for life insurance is.

About Us

Based in beautiful Southern California Wine Country, Calculated Insurance was founded in 2006 and incorporated in 2009.

Get In Touch

28936 Old Town Front Street
Suite 206
Temecula, CA 92590