Protect Your Loved Ones 

Life is unpredictable, but you can ensure your family’s financial security with the right life insurance policy. At Gerard Insurance Services, we offer Whole Life, Term Life, and Universal Life Insurance, helping individuals and families protect their future.

​Understanding the differences between life insurance options is ​essential to choosing the best policy for your needs.

Term Life Insurance – Affordable Protection

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• Lower premiums compared to permanent life insurance
• Ideal for young families, mortgage protection, and income replacement 
• Flexible coverage lengths to match your financial goals

Term life insurance provides coverage for a set period, typically 10, 20, or 30 years. 

​If the policyholder passes away during this term, the death benefit is paid to their beneficiaries.

Once the term ends, the policy can often be renewed, converted, or allowed to expire.

Whole Life Insurance –
​Lifetime Coverage & Cash Value Growth

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• ​​Guaranteed death benefit for your beneficiaries that can be borrowed against
• Premiums remain fixed for life 

Whole life insurance provides lifelong coverage and includes a cash value component that grows over time.

Whole life insurance is perfect for long-term financial planning, estate protection, and leaving a legacy. 

Universal Life Insurance –
​Flexible & Customizable

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• Flexible premium payments to fit your financial situation​
• Cash value potential with investment growth options
• Customizable coverage to meet your long-term goals

​Universal life insurance offers the best of both worlds--lifelong protection with adjustable premiums and a cash value component that earns interest.

This option is great for those seeking both insurance protection and financial investment opportunities. 

​Why Choose Gerard Insurance Services?

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• ​Trusted & Local – Serving Calaveras County for over 40 years.
• Personalized Coverage – Tailored plans for individuals, families, and businesses.
• Affordable Rates – We work with top insurance carriers to find the best prices.
• Expert Guidance – Real, local agents providing fast, friendly service.

No matter your insurance needs, Gerard Insurance Services is here to help you make the best decision for your health, business, and future.

​Get a Free Life Insurance Quote Today!

​Protect your health, business, and employees with the right insurance coverage. 
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​Contact Gerard Insurance Services today for a free, no obligation quote and expert guidance.