Chat with usYOUR INSURANCE IS AS GOOD AS YOUR AGENT!
YOUR INSURANCE IS AS GOOD AS YOUR AGENT! WE'LL SHOP IT...TO SAVE YOU THE MOST!
We do the shopping for you, to insure your home, auto or business. We work for you and shop for the best insurance rates with over 35 carriers to save you money. Call our insurance specialists to find out how →
Insurance Request/Solicitud De Seguro
DO YOU WANT TO MAKE TODAY´S DREAMS COME TRUE?
Life insurance is a unique financial tool that can be structured to achieve many goals and be personalized to meet very specific needs. You work hard to improve your life. Discover how life insurance can provide you with security, protection, and opportunities that can help make today’s dreams the reality of tomorrow.
OUR SERVICES:
- Indexed Universal Life (IUL) Insurance policies with savings and capital growth for your retirement.
- Life insurance policies with living benefits.
- Funeral expense plans.
- Annuities
HOW DOES IT WORK?
As a complement to some life insurance plans, living benefits offer accelerated advantages to your plan. Life insurance that includes living benefits is cost-effective and can safeguard you from bankruptcy, paying for long-term medical care and medical bills. Traditional life insurance plans provide a fixed amount of money, “benefit amount,” to the insurance beneficiaries after the policyholder passes away. Life insurance that PAYS during life, on the other hand, offers additional options that provide benefits to the policyholder during their lifetime.
WHO NEEDS A LIFE INSURANCE PLAN?
Most people need a life insurance plan:
- Those with dependent children
- A senior family member who are lies on your income
- People who need help achieving retirement goals
- Newlyweds
- A young couple planning to have children
- A current homeowner
- Families with children with special needs
WHAT KIND OF LIFE INSURANCE SHOULD YOU HAVE?
There are three basic types of life insurance to choose from:
- Term Life
- Permanent Life
- Universal life
Term Life Insurance:
Coverage guaranteed for a specified period of time or until a certain age, as long as your premiums are paid.
- Usually renewable once the term ends, with the possibility of premium increases
- Provides a death benefit if you pass away within the defined term, does not accumulate cash value.
- Usually allows you to purchase a higher death benefit for an additional premium; often the most affordable coverage.
Permanent Life Insurance:
- It’s called “permanent” insurance because it remains in effect for your entire life, as long as the scheduled premiums are paid.
- Premiums are designed to remain fixed for the entire duration of the policy
- It has the potential to create cash value with tax-deferred growth, and you may be able to access these funds with tax advantages
- Upon death, your beneficiaries will receive the death benefit amount, minus any outstanding loans and interest that may be payable on the policy
Universal Life Insurance:
This is another type of permanent life insurance that has built-in flexibility.
- The flexibility allows you to adjust the face amount of your plan and the premiums you pay.
- It creates cash value without paying current income taxes on the increases and potentially allows you to access funds through tax-free loans and withdrawals.
- You have the flexibility to cease paying premiums if there is enough accumulated cash value in your policy to cover the cost of insurance each month. Later on, you can pay additional premiums to increase the accumulated cash value.
- You can increase or decrease your death benefit depending on your life insurance needs. An increase may require additional underwriting
WHEN CAN YOU CLAIM THE BENEFITS OF A LIFE INSURANCE PLAN WITH LIVING BENEFITS?
You can request an advance of your benefit from the carrier, if you have a Life Insurance policy with Living Benefits. The severity of the illness determines the amount that will be advanced to you.