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LIFE INSURANCE
TERM LIFE
PERMANENT LIFE

Life
Insurance against loss due to the death of a particular person (the insured) upon whose death the insurance company agrees to pay a stated sum or income to the beneficiary.

Term Insurance
Protection during limited number of years; expiring without value if the insured survives the stated period, which may be one or more years, but usually is 5 to 20 years, because such periods generally cover the needs for temporary protection.

Term Life Insurance
Life insurance that provides protection for a specified period of time. Common policy periods are one year, five years, 10 years or until the insured reaches age 65 or 70. The policy doesn't build up any of the nonforfeiture values associated with whole life policies.

Term of Policy
Period for which a policy runs.  In life insurance, this is to the end of term period for term insurance, to the insured's death (or age 100) for payment insurance. In most other kinds of insurance, it is usually the period for which a premium has been paid in advance; however it may be for a year or more, even though the premium is paid on a semiannual or other basis.

Whole Life Insurance
Permanent level insurance protection for the "whole of life" from policy issue to the death of the insured. Characterized by level premium, level benefits and cash value. Life insurance which might be kept in force for a person's whole life and which pays a benefit upon the person's death, whenever that might be.

Life Carriers
















ANNUITY

Annuity
A contract that provides a stipulated sum payable at certain regular intervals during the lifetime of one or more persons, or payable for a specified period only.

A contract that provides a stipulated sum payable at certain regular intervals during the lifetime of one or more persons, or payable for a specified period only.

Annuitant
One to whom an annuity is payable or a person upon the continuance of whose life furthered payment depends

Annuitization
Process by which you convert part or all of the money in a qualified retirement plan or nonqualified annuity contract into a stream of regular income payments, either for your lifetime or the lifetimes of you and your joint annuitant. Once you choose to annuitize, the payment schedule and the amount is generally fixed and can't be altered.

Annuitization Options
Choices in the way to annuitize. For example, life with a 10-year period certain means payouts will last a lifetime, but should the annuitant die during the first 10 years, the payments will continue to beneficiaries through the 10th year. Selection of such an option reduces the amount of the periodic payment.

Annuity Unit
The number of annuity units denotes the share of the funds an annuitant will receive from a variable annuity account after the accumulation period ends and benefits begin. A formula is used to convert accumulation units to annuity units.

Annuity Carriers
















LONG TERM CARE (LTC)

Long - Term Care (LTC)
Refers to the broad range of medical and personal services for individuals (often the elderly) who need assistance with daily activities for an extended period of time
Long - Term Care Policy
Health insurance policies that provides daily indemnity benefits for extended care confinement

LTC Carriers

01.  Genworth Life Insurance Company
02.  John Hancock
03.  Prudential Financial


DISABILITY

Disability
Physical or mental impairment making a person incapable of performing one or more duties of his or her occupation. Illness or accident can restrict or even eliminate your ability to earn a living income. It is your income that makes everything else that you do possible; home, food, clothing . . .

Disability buy - sell agreement
An agreement between business co - owners that provides that shares owned by any one of them who becomes disabled shall be sold to and purchased by the other co-owners or by the business using funds from disability income insurance

Disability Income Insurance
A type of health insurance coverage, it provides for the payment of regular, periodic income should the insured become disabled from illness or injury

Disability Income Rider
Typically a rider to a life insurance policy, it provides benefits in the form of income in the event the insured becomes totally disabled

Disability  Carriers

01.  Assurity
02.  Lloyd’s of London
03.  Metropolitan Life
04.  Principal
05.  Standard
This page was update: September 10, 2017

Select one Type of Plan below for Individuals. CARRIERS.


LIFE
INSURANCE



ANNUITY




LONG TERM CARE



A LITTLE DIGITAL E-BOOK COLLECTION


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DISABILITY



01.  American General Life Companies
02.  American National
03.  Aviva Life and Annuity Company
04.  Aviva Life and Annuity Co. of New York
05.  AXA Equitable
06.  Banner Life
07.  First MetLife Investors Insurance Co.
08.  Genworth Life and Annuity Insurance Co 09.  Genworth Life Insurance Company
10.  Genworth Life Insurance Company of N.Y11.  ING ReliaStar Life Insurance Company
12.  ING ReliaStar Life Insurance Co. of NY
13.  John Hancock
14.  Lincoln Benefit Life
15.  Lincoln National Life Insurance Co.
16.  MetLife
17.  Nationwide
18.  Protective Life and Annuity of NY (WCL)
19.  Prudential FinancialSBLI (Savings Bank Life Insurance Co of Mass)
20.  Transamerica Financial Life Insurance Co.
21.  Transamerica Life Insurance Co
22.  United Home Life Insurance Company
23.  United of Omaha
24.  West Coast Life
25.  William Penn
01.  Allianz Life Ins Co. of North America
02.  American General Life Companies
03.  American National
04.  Aviva Life & Annuity Company(formerly American Investors Life)
05.  Aviva Life and Annuity Company
06.  Columbus Life Insurance Company
07.  EquiTrust Life
08.  First Sun America
09.  Genworth Life and Annuity Insurance Co
10.  Genworth Life Insurance Company
11.  Genworth Life Insurance Co. of New York
12.  ING USA Annuity and Life Insurance Co
13.  Integrity Life Insurance Company
14.  John Hancock
15.  Life of the Southwest
16.  Lincoln Benefit Life
17.  Lincoln National Life Insurance Company
18.  Nationwide
19.  OM Financial Life Insurance Company
20.  OM Financial Life Insurance Co. of NY
21.  Presidential Life Insurance Company
22.  Protective Life (PPGA)
23.  RBC Insurance
24.  Standard Insurance Company
25.  Sun Life Financial
26.  Transamerica Annuities
27.  United of Omaha
28.  West Coast Life
29.  Western National Life Insurance Company
THREE LIFE INSURANCE COMPANIES - REAL EXAMPLE:
MONTHLY PAYMENT   //  AGE: 45   //   NON TOBACCO

CLASSIFIC: PREFERRED PLUS   //   FACE AMOUNT: $250,000.00
2- ABBA
3- WBBR
1- ABBO
MALE / FEM
For Privacy Policy we have deleted the Companies' name. Monthly Rates may vary according classification. Monthly Rates vary according age, face amount and term selected

E_BOOK COLLECTION


$18.58 / $16.85
10
$23.76 / $19.22
15
MALE / FEM
$25.72 / $22.88
$30.10 / $23.75
MALE / FEM
$39.16 / $34.56
$47.47 / $40.03
$29.81 / $24.19
20
$46.01 / $36.94
30
$36.22 / $38.35
$54.60 / $42.35
$54.47 / $44.84
$84.88 / $64.97
TERM (YR)

LIVING BENEFITS


WHAT ARE LIVING BENEFITS?

The Living Benefits makes available a pool of money that the client can access in the event of a Terminal Illness or Critical or Chronic Illness.

The most frequently that occurs when suffering from a Terminal Illness, Critical or Chronic Illness is:

  • Diminish or cease to exist income
  • Increase in expenses
  • Family's emotional affectation

Life insurance does not cover emotional family affectation but mitigates the pain to face the loss of a loved one or the diagnosis of terminal illness, critical or chronic illness..

About 75% of Americans agree that Life Insurance is the best way to protect their families against the financial implications that causes premature death of the breadwinner

A terminal illness is determined by a condition caused by an accident or illness in which a doctor certified that the patient has no more than 12 months of life (no more than 24 months in TX, GA, IL, MA, and WA)

Being chronically ill is NOT able to run 2 of the 6 activities of daily living (bathing, incontinence, dressing, bathing, feeding, and transport) without the assistance of another person or have difficulty with the mental process of understanding, judgment, memory and reasoning.

A critical illness is considered the diagnosis of Cancer, Heart Attack, Stroke, ALS (Amyotrophic Lateral Sclerosis), Renal failure and Major Organ Transplant. The critical illness may vary according to the companies.

You should be sure and review and understand the following:

What is the waiting period?
These benefits have a waiting period generally of 90 days.

How you will receive your payments?
These accelerated benefits are deducted from the value of life insurance policy and may be issued in a lump sum or in monthly installments.

Which is the maximum accelerated benefit?
Between 50% up to 100% or between $250,000 up to $1'000,000 (or the lesser amount)

Which is the term that the policy must have effective before the benefits are available?
Between 30 days to 2 years

All limits are according to your policy and different companies.
COMPANY

LIFE INSURANCE. LIVING BENEFITS


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