Life Insurance

A life insurance will give you peace of mind in many aspects of your life, whether if you have a family, you own a business, or you have a key man in your company, it would provide the funds in case to overcome a loss.
Which are the reasons why a life insurance is useful for me?

Family Income Replacement

  • Help your family financial future.
  • Avoid changing your family lifestyle.
  • It could be use for your kids college funds or mortgage payment.

Buy And Sell Agreement

  • Business continuation upon the death of an owner.
  • Retirement needs for retiring owners.
  • Buying-out an owner exiting the business.
  • If the business terminates, the LLC can be terminated and policy ownership can be transferred to each business owner tax-free.

Key Employee Life Insurance

  • Key employee life insurance is a protection strategy, that guarantees the necessary amount of cash when it is needed to see the business through a time of loss.
  • Replace lost sales and profits.
  • Provide sufficient cash to hire and train a replacement.


  • Death and living benefits.
  • Cost less than you might think.
  • 10-15-20-25-30 Year Term.
  • Issue ages from 18 to 80 years old (depends on the plan).
  • Face Amount from $50,000 to more than 1 million dollars.
  • Available underwriting classes: Standard & Rapid Standard, Preferred Plus Non Tobacco, Preferred Non Tobacco, Preferred Tobacco and Standard Tobacco.
  • Modal Premium: Annual, Semiannual, Quarterly, Monthly.
  • Renewable to age 100.

Whole Life:

  • Death and living benefits.
  • No addition of financial risk.
  • Supplemental retirement income.
  • Cash value grows tax-deferred.
  • Can access to the cash value anytime through withdrawals and loans.
  • Effective tool for passing wealth.
  • Issue ages: 18-85 years old.
  • Face amount from: $50,000 to more than 1 million dollars.

IUL Index Universal Life Insurance:

  • Death and living benefits.
  • Index-linked cash value accumulation.
  • Income for life.
  • Tax advantage.
  • Flexible premium payments.
  • Issue ages: 18-85 years old.
  • Face amount from: $50,000 to more than 1 million dollars.
  • Index options and Interest crediting: S&P500, Russell 2000 and BNPP MMA 5 Uncapped.
  • No set maturity date: The policy continues in force as long as the cash surrender value remains equal to or greater than $0.
  • Loan benefits.

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