Term Life Insurance

Protect yourself and your family with a reliable and affordable Life Insurance plan. Level term Life Insurance allows for a specific timeframe selection, usually among terms of 10, 20 or 30 years. Also, your insurance term may be similar to your mortgage loan.

This coverage does not accumulate cash values, therefore, if the insured outlives the policy, the beneficiaries will not receive any insurance payment.

Moreover, if the needs of the insured change during the term of the policy, most providers will allow you to switch to a permanent plan. This product is mostly used in conjunction with a mortgage to protect the assets and the family. Some carriers also include a Cash Back Option at the end of the term for eligible applicants.

Whole Life Insurance

Permanent life policy with fixed premium payments for as long as you live. It also provides an alternative saving option, because the premium paid allows for the accumulation of cash value.

Its performance is guaranteed over accumulated interest value. Therefore, you may be eligible to earn dividends, or have the alternative to ask for a loan against the accumulated cash value. In order to be issued, it is important to maintain up to date monthly premium payments and required medical check-ups.

This product comes with add-ons, such as: Waiver of Premium, Accidental Death, and Accelerated Death benefits in case terminal illnesses are diagnosed, among others.

Universal Life

This insurance provides you the flexibility you want by letting you choose the amount of coverage, premium to be paid (you can adjust it according to your budget), and cash value to be accumulated. The product is a permanent life insurance policy that has non-guaranteed cash value. Nevertheless, said cash values may be used to create a college savings fund for your kids, have additional income for retirement and take loans against its accumulated cash value.

The coverage period is flexible, being able to last for your entire life. Hence, the policy could be in force until its maturity, usually between 95 to 100 years of age. When the due date is reached, the coverage ends and you receive the accumulated cash value.

This product comes with adds on, such as: Waiver of Premium, Accidental Death, and Accelerated Death benefits in case terminal illnesses are diagnosed, among others.​​​​​​​

Cancer & Dreadful Diseases Plans

Reduce your financial anxiety in case you, or a family member, gets diagnosed with a positive cancer result, or any other dreadful disease (such as heart attacks and chronic diseases). This product usually processes the benefits through expense reimbursements, providing compensation as a lump sum payment.

The policy covers:

  • Hospitalization
  • Nursing care
  • Chemotherapy
  • Radiotherapy
  • Blood and plasma transfusions
  • Other medical services

Additional coverage:

  • Accidental death and dismemberment
  • Hospital expense compensation for accidents and other causes
  • Intensive care
  • Organ transplant

This policy will pay for additional benefits, regardless if your current health plan covers them or not.​​

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