Our new customer that develop mobile phone applications for iphone & android marketplace, came to us with a need for professional or errors & omissions liabilty insurance

Affordable Life Insurance from your agents in Murrieta and Temecula Life Insurance Specialists.

Call NOW 951-789-9300


Term Life: A term life insurance policy is the type of insurance that is closest to car insurance. It has no value unless you die, just as your car insurance has no value unless you have an accident. At that time, it will pay the face value to your beneficiary. "Cheap" term life insurance is often purchased because it is the least expensive of all types of policies. It lasts for a number of years ranging from 10 to 30 depending on your age and the terms of your contract. At the end of that time period, it is renewable, but at a significantly higher cost. Therefore, most term policies are simply cancelled at the end of the contract. Term life has no cash value and cannot be borrowed against. If you stop paying the premium, the policy is cancelled.

Term Life Explained

Level Term:  
in insurance—simply means the value to which it is applied will be unchanged for the life of the contract. Level Term is the most common term life and simply means that the premium and the face value will stay the same for the entire period (term) of the contract. The policy may have a renewable feature, but once it is renewed the “level” guarantee is removed, and both the premium and face value can change. If you do choose to renew it, the policy will usually convert to "annual renewable, meaning your premium will change every year. With some policies, you can convert to whole life, but of course, your premium will be much higher there as well.

Modified Term:
A modified term policy is often sold just to get you into the contract. It may have a very tempting premium the first month or even the first year—as low as $1.00. However, the premiums will change on a regular basis, often every time you enter a new five year age band. The face value usually remains level for the life of the term.

Graded Benefit Term: 
A graded benefit policy can be either whole life or term. In either case, while the premium and face value remain level, there is a 2 or 3 year waiting period before the entire face value can be paid. These are guaranteed issue policies and will be sold without health questions. Due to the high risk an insurance company is taking in selling a product without health underwriting, they will limit the payout during those first two years in an attempt to control possible loss.

Decreasing Term: 
Decreasing term is often sold as mortgage life insurance. It is even cheaper than level term and begins with a very high face value. The premium will remain level throughout the life of the policy, but the face value will go down. When sold as mortgage life insurance, it is designed to keep pace with the decreasing principle on your loan. As the loan is reduced, so is the amount that would be needed to pay it off if you should die.

Like most life insurance, term life has a variety of possible riders including spouse term, child term, disability protection and more. The most valuable rider is the disability rider. This rider pays your premium if you should become disabled. In some policies, the rider even guarantees renewal of the policy at the end of the term. This is not true in all cases, however, so be sure to check your policy for the precise details.

The purpose of term life is to provide for a beneficiary in the event of the untimely death of the policy holder. It is a good choice for a business owner who needs to protect a business loan or for a young family who would need an income while children are young but may not need as much coverage in later life. It is not a good choice for creating a legacy or leaving an inheritance to favored loved ones.

Learn also about No load life.
Permanent Life

The opposite of Term Life is Permanent Life insurance. This form of life insurance lasts your entire life. Like term, premiums and benefit can be level, modified or graded. It is more expensive than term because while there is a high probability that a term policy will expire without ever paying benefits, a whole life policy will have to pay out sooner or later. If you purchase it while you are young, the premium will be relatively low because of the likelihood that you have a long life ahead of you during which you will be paying premium which the company will invest. All permanent life insurance builds cash value, meaning you can borrow against it, and if you decide at some point that you no longer need it, you can cash surrender it or even take a reduced paid up policy.

Whole Life: 
A whole life policy is one form of permanent life insurance. As long as you purchase “guaranteed whole life” rather than “modified” whole life, your premium will remain level as long as you live. Most of today’s policies insure you to age 120, but often there is no premium after age 100. These policies also have riders such as spouse, child, disability, unemployment waivers, accelerated death benefit and more.

Universal Life:
Universal life is another type of permanent life insurance and is usually cheaper than whole life, but somewhat more expensive than Term. It is a little more difficult to understand than whole life and can be unsatisfactory unless you have an agent who fully understands the options for setting it up. If well done, a universal life insurance policy can be one of the best, most flexible forms of life insurance.

Universal Life has two separate accounts. The benefit is the amount that will be paid upon death. The cash accumulation is the amount of cash your policy has built. The cash accumulation pays your premium on the life side. Your premium goes into a savings account first, where it earns interest. Each month the cost of insurance and fees are deducted to pay for the universal life insurance policy.  Because of this arrangement, the policy is flexible, meaning you can change your premium and your face value. You can also make withdrawals from the accumulation account as long as you always leave enough to pay your cost of insurance. If you never make any withdrawals, and if the policy is properly designed, it can build enough cash over 20 years so that the policy can pay for itself in later life.

See also, first to die or second (last) to die life insurance.

Choosing Your Company
Some agents will make light of company ratings, citing the amount of investment and number of policies a company has and discounting the companies’ overall investment portfolio. While the average client is not interested in a complete breakdown of the company portfolio, it is a good idea to know something about the company’s reputation and stability.

A.M. Best or Standard & Poor's are probably the most familiar names when it comes to ratings. Another one is Moody’s. Most of these agencies are remarkably lenient and give favorable ratings to most of their member companies. After all, the agencies are getting paid to rate the company as favorably as the law allows, so a company that receives a B or lower from these agencies is a company that may have some problems. Nevertheless, the agency will provide you with historical information about the company.

The most accurate rating agency in the country is Weiss rating agency. Once known as TheStreet.com, this agency is supported by the membership of investors and private individuals. Companies cannot join or pay dues to get rated. Consequently the standards are very high and the requirements for getting a good rating are very strict. For example, Weiss gives an A+ to only six Life/health insurance companies in the entire country. There are a few more than get an A and a sizeable number that get a B. If you find a company receiving anything less than a C from Weiss, it is definitely a good idea to do more research before going with that company.

RTG  West Insurance Services Inc  951-789-9300

Cheap Workers Compensation Insurance Quotes in Corona and Anaheim Hills, Ca  right now at 951-789-9300


Workers' compensation insurance or workman's compensation insurance covers injuries and occupational diseases picked up at work. Fault doesn't matter; employers are liable even if the employee may have contributed to the injury or illness.
Yes, liability for the employer


It's required in every state except Texas, and specifics vary from state to state. Workers' comp can cover all these areas:
Injuries or loss of limbs,
Diseases like emphysema or repetitive motion,
Injury inflicted at work,
Medical treatment,
Rehabilitation needed so workers can return to work,
Lost wages (up to two-thirds of the employee's salary),
Death,
Liability Insurance for the company for lawsuits filed by injured employees.

We have assembled some of the cheapest and affordable resources on Worker's Compensation Insurance. Click here for workers compensation insurance, workers insurance and/or workman's compensation insurance for small and big businesses.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation and it covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business.

Talk to RTG West Insurance at 951-789-9300 so we can handle your inquiry and get you a speedy quote.

Your Temecula Group Health Insurance experts at  RTG West Insurance shows you how to manage the rising cost of group health insurance in California

1. Keep employees healthy. Institute a comprehensive wellness program that includes disease management for afflictions such as asthma and diabetes, as well as offering flu shots, cancer screenings, smoking-cessation sessions and a round-the-clock phone line staffed by nurses. In a report by the U.S. Department of Health and Human Services report, “Prevention Makes Common Cents.” Likewise, heavy machinery manufacturer Caterpillar estimates that a wellness program will save alot of money.

Such wellness programs don’t just keep company accountants happy. They’re also popular with workers.

2. Reduce coverage. Cutting coverage or asking your employees to contribute more to the plan is a logical step to reducing small business health insurance costs. The downside of this strategy is that it will likely prove unpopular with workers.

It's fairly common for businesses to exclude dental and vision insurance, but talk to your employees to see what they want covered. They might opt for having dental and vision insurance and a health savings account, for example.

 Affordable group health insurance has been, and continues to be, the preferred mode of health insurance for between 175,000,000 and 200,000,000 Americans, according to the National Conference of State Legislatures. At the heart of any group plan is the simple fact that insurance companies stand to make more money as they insure more people. Since businesses, religious organizations, and professional groups provide insurers with pre-assembled groups of willing customers, insurance providers are willing to negotiate lower group rates in exchange for the opportunity to gain customers en-masse. In the end, everybody wins.

Call us now and talk to a Group Health Specialist 951-789-9300.  You can also click the logos for our providers on the right anytime to get started  --------->

Inland Empire Commercial Auto Insurance specialists RTG West at 951-789-9300 can help you find the best business coverage for your autos and trucks.  

here are a few tips to keep your premiums low and save money on commercial auto insurance in Temecula, Murrieta, San Diego, Los Angeles and anywhere else in California

Monitor Your Employees’ Driving Records — Driving records influence rates, so business owners should notify potential hires that they could review their Motor Vehicle Records (MVRs). Ask your local independent insurance agent for help with this. While a Commercial Driver’s License (CDL) may not be required to operate your vehicle(s), you may find drivers who have them are more skilled and could qualify for pricing discounts.

Keep an Eye on Your Credit — Some insurance companies use information about your credit history in helping to determine your rate. Ask your agent specifically what information each company looks at so that you understand what’s influencing your premium — positively an

Make Sure You Have Continuous Coverage — Never let your insurance lapse; if you do, you most certainly will pay more for your next policy because most insurers want to see proof of prior coverage.

Ask Your Agent About Discounts — There are a lot of them out there. For example, RTG West Insurance offers discounts to companies who pay in full, have been in business for more than three years, and more.

So talk to us today:  951-789-9300

Your local Insurance Agent at RTG West Insurance Services Temecula, Ca

Why do you need errors and omissions insurance?
If you have a professional services business, having errors and omissions insurance coverage can be an integral part of protecting your business. Accusations of negligence or the failure to perform your professional services are things that any professional services business can be sued for, even if it hasn't made a mistake.

You should seriously consider this coverage if your business:
provides a professional service.
regularly gives advice.
is required by its clients to have E & O insurance.

Who needs E&O insurance?
The best-known professionals who need E&O insurance are
 doctors,
lawyers,
accountants,
architects,
engineers, etc.
However, less thought about individuals range from advertising agencies to commercial printers, Web hosting companies to wedding planners. If you are in the business of providing a service to your client for a fee, you have an E&O exposure. You may want to consider what will happen if the service is not done correctly or on time, and it costs your client money or harms their reputation.

Why does my company need coverage?
To put it very simply, everyone makes mistakes. Even with the best employees and the best risk management practices in place, mistakes will be made. No one is perfect.

If a freight forwarder sends a shipment to South America instead of South Africa and it is a time sensitive shipment and their client loses a sale and, therefore, hundreds of thousands of dollars, who will pay the loss?

If a wedding planner reserves the reception hall, the band, the caterers, etc., for May 22 instead of May 29 and everyone shows up except the wedding party and guests, who pays? And imagine the emotional distress caused to the bride if this were to happen!

There is also the less tangible loss of reputation for both the professional and his client. What will the cost be to the business that now has equipment in South America instead of South Africa? Will they lose future contracts with their current client as well as future clients?

By not purchasing E&O a company can be taking a serious financial risk. These types of losses are not covered under a general liability policy. And, as stated earlier, even if you are not at fault, litigation is both time consuming and expensive.


Here are some steps you can take to mitigate claims:
• Always have a written contract that spells out what will be done, what will not be done and what the fees will be.
• Communicate throughout the job and keep the expectations realistic.
• Have quality control procedures in place and use internal and external audits to check them.

That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

Wokers Compensation Insurance in Temecula, Ca by the experts at RTG West Insurance Services, Inc.  

RTG-WEST INSURANCE SERVICES, INC. understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

Having the right Workers Compensation plan from RTG-WEST INSURANCE SERVICES, INC. can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:
An injured employee’s medical expenses/treatment
The replacement of lost wages from injury time off
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages.

That’s why it’s important to discuss your options with a specialist at RTG-WEST INSURANCE SERVICES, INC. who can help you find the right coverage options for all your business needs.

951-789-9300