Life insurances
October 17, 2023
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You can get a benefit of up to 20K, 50K, 100K, 200K, 500K.
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Life insurance is a promise made to you by an insurer in case you become ill or pass away. In this promise, the insurer commits to safeguard your family's finances so they won't be affected.
Because life insurance is protection for your family when you're not there. If you truly love them, think about the financial burdens you would leave behind.
Life insurance is important whether you're single, married, divorced, etc. There are unexpected situations in life, and it's our responsibility to be prepared to prevent financial hardships for our loved ones.
Did you know that if you are diagnosed with a critical, chronic, or terminal illness, you can use your life insurance to cover expenses? Example: Critical, such as blindness, cancer, aplastic anemia, cystic fibrosis, kidney failure, heart attack, heart valve replacement, organ transplant, nerve disease, stroke. Chronic: when a doctor has certified in the last 12 months that you cannot perform 2 out of 6 activities of daily living for a period of at least 90 consecutive days without assistance or generally experiences cognitive decline (examples of activities of daily living) bathing, continence, dressing, eating, grooming, transferring. Terminal: generally, if you have been diagnosed with a terminal illness that will cause death within 24 months (12 months in some states) from the certification of the illness by a doctor. Critical injury, for example: coma, paralysis, severe burns, traumatic brain injury.
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We will ask you for some information to provide you with a personalized quote. This information will be essential to offer you a coverage plan that suits your needs. We value your privacy and will use your data confidentially.
We offer you different insurance options so you can compare their coverages and costs, and choose the one that best suits your needs. Carefully analyze each plan and insurer to make an informed decision.
Your information is protected and will not be shared without your authorization. Once your policy is issued, we will send it to you digitally so you can receive it in the comfort of your home. You won't have to go to any office to receive it physically.
It is coverage with living benefits for a specific period of time, either 10, 15, 20, or 30 years. Low cost and high coverage. In case of illness or diagnosis of a critical, chronic, or terminal illness, you can use your life insurance to cover your expenses.
It is coverage for a period of time, whether it's 10, 20, or 30 years, but at a slightly higher cost and has a premium return of 50%, 75%, or 100% if the living benefits are not used.
These types of plans allow your money to grow through compound interest, so the younger you start your plan, the more potential it has to grow your investment in the medium or long term.
These are plans that basically cover the funeral expenses. Coverage ranges from 5k to 50k, with lower coverage as you age. Depending on the company, ages can range from 0 to 89 years old.
This is an investment type where your money is protected from market downturns. Current interest rates are 11% - 20%. Plans start from 10k (open or closed). You can transfer money from 401k, 403b, IRA, 529, among others.
Covers the interest and capital of the mortgage when the policyholder is unable to make payments due to serious illness or disability. Mortgage protection coverage is similar to term life insurance and is paid out upon the policyholder's death.
We are a broker representing more than 30 top-tier companies with over 170 years in the market and licensed agents in all 50 states, serving the entire Latin community for: Life Insurance. Our clients can secure themselves with the best coverage that suits their needs, such as Final Expense, Term Insurance, Permanent, Annuity, and Mortgage Protection. Our quality and honesty are what characterize us and make us leaders. Our experience and professionalism make your insurance purchase a great experience.
This is how you can take care of your family
Term life insurance provides flexible coverage for a specific period. The policy pays out when the insured person passes away during the policy's term. It offers life insurance with a lower premium.
Permanent life insurance provides lifetime coverage and can combine the death benefit of traditional life insurance with the ability to accumulate cash value over time. The premium amount remains unchanged during the policy's term.
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Here you can find answers to your questions
Life insurance is a promise made to you by an insurer in case you become ill or pass away. In this promise, the insurer commits to safeguard your family’s finances so they won’t be affected.
Because life insurance is protection for your family when you’re not there. If you truly love them, think about the financial burdens you would leave behind.
Life insurance is important whether you’re single, married, divorced, etc. There are unexpected situations in life, and it’s our responsibility to be prepared to prevent financial hardships for our loved ones.
Did you know that if you are diagnosed with a critical, chronic, or terminal illness, you can use your life insurance to cover expenses?
Example:
Critical, for example: blindness, cancer, aplastic anemia, cystic fibrosis, kidney failure, heart attack, heart valve replacement, organ transplant, nerve disease, stroke.
Chronic: when a doctor has certified in the last 12 months that you cannot perform 2 out of 6 activities of daily living for a period of at least 90 consecutive days without assistance or generally experience cognitive decline (examples of activities of daily living) bathing, continence, dressing, eating, grooming, transferring.
Terminal: generally, if you have been diagnosed with a terminal illness that will cause death within 24 months (12 months in some states) from the certification of the illness by a doctor.
Critical injury, for example: coma, paralysis, severe burns, traumatic brain injury.
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