Choose the one that best suits your needs, and if you have any questions, contact us.
If you have a mortgage or loans, don't leave pending debts to your beneficiaries; link your life insurance so that no one inherits your debt.
In case of your passing, the insurer will compensate your family with the agreed-upon capital.
Life insurance also protects you in case you have an accident or illness that leaves you disabled; you will be the one to receive the compensation.
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.
Life Insurance offers a wide range of coverages.
Coverage for death from any cause, through which, in the event of the insured's death, the beneficiary or beneficiaries receive 100% of the contracted capital.
In the event of the insured's death, the beneficiaries can request an advance on the capital to cover inheritance taxes and funeral expenses.
Life insurance will provide legal protection, manage all inheritance and succession procedures, as well as obtaining pensions and official certificates.
With your life insurance, you can enjoy benefits such as online will drafting and the management and deletion of digital assets.
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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