LIFE INSURANCE

securing your family's future, one step at a time

✅NO MEDICAL EXAMS

✅TERM YEARS RANGING FROM 5-30 YEARS

✅WHOLE LIFE INSURANCE

✅COVERAGE UP TO $2,000,000.

✅UNIVERSAL LIFE / FLEXIBLE PREMIUM

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What is Life Insurance?

Life insurance is a type of insurance policy that provides financial protection to the policyholder's loved ones in the event of the policyholder's death. The policy pays out a death benefit to the policy's beneficiaries, which can be used to cover expenses such as funeral costs, outstanding debts, or lost income.

There are several different types of life insurance, and each has its own features and benefits.

Term Life Insurance

Term life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. If the policyholder dies during the term of the policy, the policy pays out a death benefit to the policy's beneficiaries. Term life insurance is typically less expensive than other types of life insurance, but the death benefit is only paid out if the policyholder dies during the term of the policy.

Whole life insurance

Whole life insurance provides coverage for the policyholder's entire life, as long as the premiums are paid. In addition to the death benefit, whole life insurance also has a cash value component that accumulates over time and can be accessed by the policyholder while they are alive. Whole life insurance is typically more expensive than term life insurance, but the death benefit is guaranteed, and the policy has a cash value component.

Universal life insurance

Universal life insurance is a type of permanent life insurance that provides flexible coverage options and the ability to adjust the policy's premiums and death benefit. It also has a cash value component that accumulates over time, and the policyholder can access the cash value while they are alive. Universal life insurance is typically more expensive than whole life insurance, but it offers more flexibility and the ability to adjust the policy to meet the policyholder's changing needs.

Variable life insurance

Variable life insurance is a type of permanent life insurance that offers the potential for higher returns on the policy's cash value. The policyholder can choose to invest the cash value in a variety of investment options, such as stocks or mutual funds, and the returns on the investments can increase the policy's cash value and death benefit. However, the investments are subject to market fluctuations, and the policyholder's cash value and death benefit can decrease if the investments perform poorly. Variable life insurance is typically more expensive than universal life insurance, and it is only suitable for policyholders who are willing to take on the risks associated with investing the policy's cash value.

Why should you work with

Vanessa Salcido Silva

Has access to a broad array of insurance companies and products and can help you with a variety of insurance needs, including final expense, mortgage protection, retirement planning, and more.

Learn More About Vanessa Salcido Silva

Expertise

Is a trained professional who has a deep understanding of the different types of life insurance policies available and can help you choose the one that best meets your needs and goals.

Convenience

An Advisor can be more convenient than trying to research and compare policies all on your own. An Advisor can do the legwork for you, comparing quotes from multiple insurance companies and helping you understand the terms and conditions of each policy.

Personalized service

An Advisor can provide personalized service and support to help you choose the right policy for your unique situation. They can take the time to understand your financial needs and goals, and work with you to find a policy that fits your budget and provides the protection you need.

Things to consider when choosing a Policy

When buying a life insurance policy, there are several factors to consider. First, you should consider your current financial situation and your future financial needs. This will help you determine how much coverage you need and what type of policy is best suited to your needs.

Next, you should consider the financial strength and reputation of the insurance company offering the policy. It's important to choose a reputable and financially stable insurer, as this will ensure that they will be able to pay out your policy if you pass away.

You should also consider the policy's terms and conditions, including the premium, the length of the policy, and any exclusions or limitations. Make sure you understand exactly what is covered by the policy and what is not.

Finally, it's a good idea to shop around and compare quotes from multiple insurers to ensure that you are getting the best possible policy at the best possible price.

key features of a life insurance policy

Death benefit

This is the amount of money that will be paid to the policy's beneficiaries when the policyholder dies.

Premiums

These are the regular payments that the policyholder makes to the insurer in order to keep the policy in force.

Policy length

Most life insurance policies have a set length of time, such as 10, 20, or 30 years, during which the policy is in force.

Exclusions

These are specific events or circumstances that are not covered by the policy. For example, a policy may exclude deaths that are the result of war or suicide.

Riders

These are optional additions to a policy that provide additional coverage for specific events or circumstances. For example, a policy may include a rider that provides additional death benefits if the policyholder dies in a car accident.