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Individual Life Insurance in El Cajon CA & La Mesa CA

Reassurance for you and your Loved Ones.

Swanson Insurance Agency provides life insurance to individuals in El Cajon, La Mesa, Santee, Lakeside, Spring Valley, Bonita, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Swanson Insurance Agency, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Swanson Insurance Agency offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Swanson Insurance Agency is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Swanson Insurance Agency will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Swanson Insurance Agency

1161 E Main Street, #201
El Cajon, CA 92021
Main office: 619-440-3708
Toll free: 800-399-9848
Fax: 619-588-1917

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

We have been customers for many years. We are quite satisfied and would refer/recommend your insurance company happily.
- Wilma J. El Cajon, CA
I was unhappy with my previous insurer. This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. The customer service at this agency is bar none. I was very very pleased with the personal attention I received and feel confident that my best interests are my Swanson agent’s priority.
- Chris K. El Cajon, CA
This agency has been able to save me money! This agency has offered me more coverage! This agency came highly recommended by someone I trust. This agency was able to consolidate my policies. This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. This agency looks at everything and offers very practical solutions. The customer service at this agency is bar none.
- Jim S. Alta Loma, CA
This agency has been able to save me money! This agency came highly recommended by someone I trust. This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. This agency looks at everything and offers very practical solutions. The customer service at this agency is bar none.
- Tracey M. El Cajon, CA
Great customer service, prompt answer to insurance questions, and professional demeanor dealing with agents.
- Josue A. Chula Vista, CA
This agency has been able to save me money! This agency has a high regard for integrity and that is important to me. This agency is very knowledgeable on all topics related to my insurance/finances. This agency looks at everything and offers very practical solutions. The customer service at this agency is bar none.
- Robert F. El Cajon, CA
This agency has been able to save me money!
- Jenni M. Modesto, CA
We are very happy with our coverage and cost for that coverage. The service you provided was professional and done in a timely manner. We feel confident that we will get the best service from your company.
- Robyn F. San Diego, CA
Always helpful,good customer service!
- Sharon S. San Diego, CA
This agency has been able to save me money! This agency has offered me more coverage! This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. The customer service at this agency is bar none. I have been with Swanson for years and would not change for any reason. Totally satisfied with the services they provide me over the years.
- Patricia M. Santee, CA
This agency was able to consolidate my policies. This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. This agency looks at everything and offers very practical solutions. The customer service at this agency is bar none.
- Bunny R. San Marcos, CA
This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances.
- David F. Sacramento, CA
We have been with Swanson for at least two decades and they have always been very responsive and helpful with all my insurance needs. I would recommend them to anyone.
- Kathy O. El Cajon, CA
This agency has been able to save me money! I have been with Swanson Insurance for over 20 years.
- James G. El Cajon, CA
This agency has been able to save me money! This agency has offered me more coverage! This agency came highly recommended by someone I trust. This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. This agency looks at everything and offers very practical solutions. The customer service at this agency is bar none.
- Celia D. San Diego, CA
This agency has been able to save me money! This agency has a high regard for integrity and that is important to me. This agency is extremely professional in all situations. This agency is very knowledgeable on all topics related to my insurance/finances. The customer service at this agency is bar none.
- Robert F. El Cajon, CA
Jim was very knowledgeable in regards to making sure I had the proper coverage. He was very thorough in assessing the coverage I needed for my company and didn’t add on any coverage that I didn’t need. I wasn’t sure if I was going to be able to keep my doors open from high premiums. But Jim shopped around and found great coverage with affordable premiums. I highly recommend Swanson Insurance Agency.
- Scott A. El Cajon, CA