LIFE INSURANCE
Taking steps towards a secure tomorrow for your family
No health exam REQUIRED
Cash Back Options Available
Protect your mortgage
income replacement
leave a family legacy Behind
I’M Franklyn Rosario
Licensed Broker & Senior Field Underwriter
It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.
I’M Franklyn Rosario
Licensed Broker & Senior Field Underwriter
It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.
This plan covers a set term, like 10, 20, or 30 years. The beneficiaries receive the death benefit if the insured dies within this period. It's cost-effective but only pays if death occurs during the policy's term.
This insurance covers the insured for their entire life, given the premiums are paid. It offers a death benefit and accumulates a cash value over time, which can be accessed by the insured.
This permanent life insurance offers the flexibility to modify the premiums and death benefits. It also accumulates a cash value that can be used by the policyholder.
Accidental Death insurance is coverage is for non-natural deaths only. It does not cover deaths caused by heart attacks, strokes cancer, etc. This is a great add-on prodct to other types of life insurance.
Cash Back Term insurance is a form of term insurance that returns all premiums back to the insured at the end of the term. This product is also knows as ROP Life Insurance (Return of Premium).
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Let's face it, life feels expensive — and that's because it is. According to the U.S. Bureau of Labor and Statistics, an item that cost $1,000 in the year 2000, now costs $1,750.
That's OK news if your household income increased at the same pace or more. But if it didn't, money may be feeling tight. And that translates to pressure should an unexpected event occur — like loss of an income earner or caregiver.
The traditional thought of life insurance being needed only for the breadwinner is a misconception. All members of the family should have life insurance protection. The monetary impact can be significant if you lose a loved one.
It's important to challenge yourself to answer a tough question: If your significant other died yesterday, how would that affect your financial situation? If the answer is a lot, then read on for three things to consider when protecting your family.
Every family has unique needs. It's worthwhile to sit down and review what you have in place to manage big risks. An easy approach to identifying your life insurance needs is to use the acronym LIFE. This stands for:
Liabilities: Payment of any outstanding debt
Income: Replacement of at least five years of your annual earnings
Final Expenses: Coverage for funeral and otherend of life expenses
Education: Taking care of any education or extra legacy planning goals you have
Getting coverage for children is more about safeguarding their future. A child rider is a common feature of many life insurance policies.
It offers a small amount of coverage that can convert into a policy your child would own as an adult. At the point of conversion, medical questions or ualifications aren't needed.
Individual policies are also available for children. They usually offer lifetime protection and options to increase coverage during adulthood.
These policies are typlically Whole Life Insurance, but can also be Universal Life Insurance policies. Both build cash value, but you do have the option of using Index Universal Life to accumulate significant cash for your child. Allow us to run options for you to see what makes the most sense for you and your family.
While today's life is a bit more stressful, your financial well-being doesn't need to be. Protecting your family with life insurance is much easier than you think. Keep in mind that all polcies premiums are based off of your age, health and habbits and there is no one size that fits all.
If you're ready to reduce the stress of not having enough life insurance, start getting a quote today! Our agents are well versed in all aspects of life insurance products and can answer any of the questions you may have. We look forward to help you.
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