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Frequently Asked Questions
Can I use the cash value without canceling the policy?
In many cases, yes. Depending on the contract, loans or withdrawals may be available. However, these actions may incur fees, interest, tax consequences, and/or reduce the death benefit. It is recommended to evaluate your options before proceeding.
Does it have an expiration date?
It depends on the type of policy. Some are designed for coverage for a specific term (term insurance), while others are designed to last longer. However, maintaining an active policy depends on meeting payment obligations, internal costs, and contractual conditions. During the consultation, we will review which structure best suits your needs.
Combine protection and growth in a single financial solution. Book your consultation and start building value today.
Combine protection and growth in a single financial solution. Book your consultation and start building value today.
Financial protection today, with capital growth for tomorrow. This type of insurance offers death benefits and a savings account that grows over time. Ideal for those seeking security and wealth growth. Book your free consultation and maximize the value of your policy.
Who is it for?
Young professionals with a long-term financial vision.
Parents or grandparents who wish to create a financial legacy.
People interested in tax-free capital.
Business owners who want personal tax advantages.
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Life insurance with planning options. Review eligibility and alternatives in an informational consultation.
How does it work?
Part of the premium goes to insurance and another part to accumulated value, which grows with guaranteed or indexed rates. You can withdraw, lend, or use that value during your lifetime according to your needs. It's a versatile tool for protecting, planning, and building wealth.
Key Benefits
Death protection to support your family or estate plan.
Cash value that can accumulate over time, according to the rules of the contract.
Access options through withdrawals or loans, subject to fees, limits and conditions.
Estate/business planning: can support objectives such as continuity, legacy or liquidity, depending on the structure.
Protection in case of immediate death.
**Retiros y préstamos pueden reducir el beneficio por fallecimiento y/o afectar el valor de la póliza. El tratamiento contributivo varía; consulte su CPA.**
Stages of the Process
Initial assessment: goals (family protection, asset continuity, liquidity), time horizon and budget.
Pre-design: comparison of available policy types (based on eligibility) and review of costs, charges, limits and usage scenarios.
Application and subscription: process subject to medical/financial evidence when applicable and insurer approval.
Issuance and implementation: review of the contract, beneficiaries, and coordination with your CPA/attorney if applicable.
Follow-up: periodic reviews to validate that the policy remains aligned with objectives (payments, costs, life changes).