Are you prepared for your financial future?
Have you asked yourself:
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How will my family cover their financial needs if I die?
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Will I be able to retire comfortably as I want?
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Do I count with the necessary to face the emergencies that life throws at me?
A great reality is that when something happens to us, be it an accident, an illness or an event which was not under our control and we are affected (to the point of losing our lives), most of the time is the father, the mother or a spouse, partner, or relative that will be absence and we can't do nothing to replace them if we lose them. THAT IS OUR REALITY.​​
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There is another person who is affected, and at least, about this one, we do have the tools to control and manage that unforeseen event. The provider of income. That loved one who represents the economical household pilar. It is imperative to understand that you need (to the extent your circumstances allow) to protect yourself financially in the face of the uncertain future.
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The last thing you need, right now, is for something to happen that requires you to run out (if you can) to get the money to cover the expenses that said event represents. Much worse, losing your life and your family being left with nothing. 5 minutes of your time filling out the form for your complementary consult can make a difference. Do not wait more. It is something you need.
Enjoy your money in life with accelerated living benefits
What is an accelerated living benefit?
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Accelerated benefit riders, provide the ability to receive a partial or full accelerated amount of your policy's death benefit, if the insured is diagnosed with a qualifying medical condition. They are included in all the products presented here at no additional cost for death benefits starting at 50K and up. Here is a list of how this riders work on your policy.
TERMINAL ILLNESS CLAUSE
If the insured is diagnosed with an illness or condition that could cause death within 24 months or less (12 months in Fl and NY)
CLAUSE FOR CHRONIC ILLNESS
If the insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days, or requires constant supervision to protect against health or safety risks due to severe cognitive impairment.
Activities of daily living include bathing, continence, dressing, eating, toileting, and transferring.
CLAUSE FOR CRITICAL ILLNESS
If the insured is diagnosed with a critical illness. Below is a complete list of critical illnesses and their definitions.
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Heart attack.
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Stroke.
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Invasive cancer.
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End-stage kidney failure.
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Major organ transplant.
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Amyotrophic Lateral Sclerosis. (ALS)
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Blindness.
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Paralysis.
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Arterial aneurysms.
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Central nervous system tumors.
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Mayor Multi-System Trauma (Mayor injury to three or more organs or systems).
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AIDS.
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Severe disease of any organ (resulting in significantly altered life expectancy).
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Severe central nervous system disease (Parkinson's, Huntington's, Multiple Sclerosis, Encephalitis with long-term effects).
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Major burns (>40% surface area burned, 3rd degree).
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Loss of Limbs.
Life insurance can benefit you in the following ways:
SAFE PLANNING
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**Authorized Representatives is only dedicated to providing a consult in order to show our clients what options they can count with, based on the client's budget and personal situation. We will never take or tell the client what product they need. It is a complete and personal decision of the client after receiving your consult and evaluation. We are not financial analysts. Always consult your accountant if you have any questions related to your financial statement.**
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