YOUR INSURANCE IS AS GOOD AS YOUR AGENT!
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Are you PREPARED for the unexpected? Protect yourself and your family!
Avoid leaving debt and pain to your family
About Agent
Luis has is a life expert within or agency and has your family’s best interest at heart. He is detail oriented and resourceful to find you the coverages that you need at the best possible rates; factoring in yours and your family’s needs to attain your ultimate goal in coverage.
CA LIC # 4103058
About Agent
Zaira is an insurance veteran and an expert in life products and personal lines. Zaira has great attention to detail and will shop coverages for you with an array of companies to attain your coverage goals.
CA LIC # 0C41636
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 …(Read More) 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.
WHEN CAN YOU CLAIM THE BENEFITS OF A LIFE INSURANCE PLAN WITH LIVING BENEFITS?
WHO NEEDS A LIFE INSURANCE PLAN?
Most people need a life insurance plan:
- Those with dependent children
- A senior family member who relies 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
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.
Are you PREPARED for the unexpected? Protect yourself and your family!
Avoid leaving debt and pain to your family
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.
Carlos Aguirre
Carlos Aguirre, MBA is a 30+ years financial services veteran with over 24 years’ experience as an insurance adviser. Carlos, will do The Shopping to Save YOU The Most! With access to an array of over 100 companies personal and commercial insurance, he’ll find the best possible rate with the coverages you need. Carlos’ extensive financial services experience within the stock brokerage, real estate investments, sales and business consulting allows him to have a keen business acumen to mitigate risk and protect what’s most important to you, home, auto, business life and health insurance. Licensed in AZ, CA, CO and TX. I’ll Do the Shopping to Save You the Most!
CA Lic # 0M59674
545 E. John Carpenter Fwy, Irving, Texas 75062
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.
WHEN CAN YOU CLAIM THE BENEFITS OF A LIFE INSURANCE PLAN WITH LIVING BENEFITS?
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
About Agent
Luis has is a life expert within or agency and has your family’s best interest at heart. He is detail oriented and resourceful to find you the coverages that you need at the best possible rates; factoring in yours and your family’s needs to attain your ultimate goal in coverage.
CA LIC # 4103058
Our Insurers
Your Insurance Is As Good As Your Agent!
How To Buy Insurance?
Before you buy insurance for your Transportation Business, Business Owner's Policy, Auto insurance, Homeowners' insurance or Life insurance, you'll need to make sure to speak to the right agent. Your insurance is as good as your agent. When you work with us, you'll be for certain that you'll get the best that works for you. We'll help you understand:
- What Insurance You Should Have
- High Deductibles vs. Low Deductibles
- How to Buy Car Insurance
- How to Buy Homeowners Insurance
- Liability Coverage for Home Insurance
- What is Term Life Insurance?
- Permanent Life Insurance Policies
What Is Commercial Insurance?
The sucess of your business is in direct proportion to the protection you put in place through Commercial business insurance. It protects your contractors, your business whether soleprop or corporation. It's designed to cover the business, its employees and ownership. When you work with us now, we'll help you determine your needs based assessment to tailor a policy that's righ for you.
- Tranportation Insurance
- Commercial Package
- General Liability
- Bonds
- Worker's compensation and more...
5 Minutes Can Save You 100s
When you decide now, to work with us, you’ll save up to 40 % in premiums. We do the shopping for you, to insure your home, auto or business. While you think about your current policies or the need of one, you can help us us help you, by talking to our licensed agents with combined experience of 50+ years to tailor a policy that's right for you.
What We Offer...
Save Up to 40%
When you, decide now, to work with us, you’ll save up to 40 % in premiums. We do the shopping for you, to insure your Home, Auto. Transportation or Business.
Best Insurance Rates
We work for you and shop for the best insurance rates with over 35 carriers to save you money. The longer you wait, the more you’ll pay.
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Your Insurance is as Good as your Agent
WHEN YOU WORK WITH US NOW… YOU WILL SAVE UP TO 40 PERCENT
The longer you wait, the more you will pay!
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WE’LL SHOP IT…TO SAVE YOU THE MOST!