Living Benefits
Living Benefits have been around for 20 years, yet most Americans still don’t know what they are or what they do. Living Benefits allow policy-holders to access their death benefit to get money in their hands when they need it most if they suffer a heart attack, stroke, cancer, or other qualifying illness. And the best part is, these benefits come at NO EXTRA COST.
Upgrade from traditional life insurance to Living Benefits, which allows you to access your death benefit if you fall ill. Protect your family from medical bankruptcy.
America’s future is costly; Uncle Sam will increase estate tax to cover it. Plan for your heirs with an Irrevocable Life Insurance Trust.
Indexed Universal Life can lay a strong financial foundation for your child with compound interest and added benefits.
As a business owner, being busy is positive, but prioritizing proper planning is crucial for every smart entrepreneur.
An indexed annuity offers a balanced investment approach with both downside protection and upside potential for retirement savers.
An insurance policy that covers college tuition, room and board, and other expenses if a student is unable to attend due to illness or injury.
Discover how Indexed Universal Life Insurance (IUL) combines market growth with protection from losses for a tax-advantaged retirement.
Estate planning is vital to ensure your wishes are carried out after you pass. Watch the video for advice and a simple first step.
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Protect your loved ones with Life Insurance
From everyday moments to major milestones, we understand that family is your most important asset.
Testimonials
When Amanda Thomas was diagnosed with thoracic cancer shortly after delivering their fourth child, her family’s world was turned upside down. She would spend a year out of work while undergoing grueling chemo treatments. Her job dropped her from their health insurance. Her paychecks stopped coming in. Meanwhile, the medical expenses were piling up. Thankfully, Amanda and her husband Eugene had prepared for this very situation back when she was healthy by putting a Living Benefits life insurance plan in place for their family. Utilizing her policy’s built-in Critical Illness rider, Amanda was able to accelerate $405,000 of her life insurance policy’s death benefit to get a tax-free check for $343,000 in her hands.
My son’s coverage was denied due to an underwriting issue during our attempt to upgrade it. Nonetheless, Thais went the extra mile and reached out to the underwriter to clear up the misunderstanding. Consequently, my son obtained the required coverage at a premium that is affordable to me. I am grateful to Thais for her exceptional customer service.
I had a great experience getting more life insurance coverage. The agency staff was readily available to answer my questions by phone or email, and they quickly scheduled my medical exam with a professional company that came to my house and completed the process efficiently. My policy was approved shortly after. Thais was very pleasant to work with and seemed genuinely interested in providing top-notch service. I would definitely use their services again and recommend them to friends and family for their insurance needs.
Before being referred to you by a friend, we considered acquiring an additional $500K of life insurance directly from a well-known insurance provider. However, upon comparing prices with your company, we found your rates to be more competitive. As advised by our financial counselor, we intend to obtain $750K each through your services, which will fulfill our insurance requirements.
No matter if I was applying for a life insurance policy worth $50,000 or $500,000, Ms. Ayala consistently went above and beyond to provide assistance. In addition to her exceptional customer service abilities, she possesses extensive knowledge and suggested alternative options based on my specific circumstances.
My previous life insurance policy with a different company lasted for 10 terms, and upon renewal, the monthly premium escalated from $300 to $1,100. Ms. Ayala suggested switching to a new insurance provider to secure a more favorable premium. As a result, I obtained identical coverage for $560/month, resulting in a monthly savings of $440 and an overall ten-year savings of $52,800.
Our Proven Process Produces Results
1. MEETING
A brief meeting with an insurance agent to discuss and explain policies and options for life insurance sign-up.
2. PLANNING
Research available policies, evaluate needs, gather personal information, choose a plan, and apply.
3. EXECUTE
Undergo a medical exam (if required), and await approval. Pay premiums and receive coverage.