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Morgan Hege Insurance Agency

California Life Insurance


Life Insurance

Why Buy Life Insurance?

To Protect a Mortgage

A primary reason for people to purchase life Insurance is to protect a mortgage. "Credit Life Insurance" is often available but overpriced; it is usually less expensive for consumers to obtain life insurance through a trusted advisor.

To Replace Income

Most families purchase life insurance to replace income in case one or both parents die. Experts suggest 7-10X Income.

Pregnancy/Birth of a Child

Most first-time life insurance purchases are the result of becoming a new parent/grandparent or from having more children/grandchildren.

Marital Status Change

Marriage or divorce is a very logical time to purchase life insurance because new couples are taking appropriate actions to protect their spouse in the event of a tragedy, and most divorce decrees require it.

Job Changes

Promotions or change of employer stimulate life insurance purchases. Individuals in this category are faced with new benefit packages, uncertain financial security, or they may simply have a greater need for asset protection and coverage.

Death of a Loved One

Unfortunately, sometimes it takes a wake-up call to motivate people to buy life insurance. At these times, financial burdens due to loss of life become very apparent for the survivors, proving the value of life insurance.

Business Uses

Businesses have several uses for life insurance; most notably Key Person Insurance and Insurance to Fund a Buy/Sell Agreement

Contact me today to begin taking advantage of your life insurance contract.







Morgan Hege

Hi, My name is Morgan Hege. I believe life insurance should be called "Love" insurance, because it is the one type of insurance you buy for the people you care about most. So in many ways, it is the most important protection of all.


To Protect the Ones You Love

Learn the secrets used by the rich and powerful to take full advantage of life insurance benefits available in our tax code. There are many living benefits besides as well as a death benefit to consider when purchasing life insurance.

Advice from a Trusted Individual

When it comes to purchasing life insurance, consider shopping with an independent adviser who has experience shopping the market for the best product and price for your unique situation and lifestyle.