Lic #19793023
WHY LIFE INSURANCE PROTECTION PLANS ARE ESSENTIAL?
This question is crucial when you think about how unpredictable life can be. Life insurance isn't just a precaution; it's a way to protect your loved ones and their financial future. It's not just about preparing for possible financial troubles, but making sure your loved ones are protected if something happens to you. With life insurance, you can provide them with financial support when they need it most. It's an important way to take care of your loved ones and give them peace of mind in difficult times. Consider getting life insurance to protect their future. The process of acquiring life insurance is simple, and I'm here to assist you every step of the way!
DEDICATED TO PROVIDING TAILORED INSURANCE SOLUTIONS
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SHORT TERM LIFE INSURANCETerm life insurance covers a set period, typically 10 to 30 years, providing a death benefit if the insured passes away during that time. It's affordable and straightforward, ideal for temporary financial protection.
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WHOLE LIFE INSURANCEWhole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual. It offers a death benefit to beneficiaries upon the insured's death and accumulates cash value over time, which can be accessed by the policyholder. Whole life insurance typically has guaranteed premiums and a guaranteed cash value growth rate, making it a long-term financial planning tool.
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ACCIDENTAL DEATH BENEFIT INSURANCEAccidental Death Benefit Insurance is a policy that provides an additional payout if the insured's death is caused by an accident covered by the policy.
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MORTGAGE INSURANCE PROTECTIONIs a type of life insurance policy that helps cover the outstanding balance of a mortgage if the insured individual passes away. It ensures that the mortgage will be paid off, providing financial security for the borrower's family or beneficiaries. Theplan also includes a feature where all premiums paid are returned to the policyholder at the end of the term.
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DISABILITY INSURANCEDisability insurance provides financial protection by replacing a portion of your income if you become unable to work due to illness or injury. It typically pays a monthly benefit to help cover living expenses such as mortgage or rent, utilities, and other bills.
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INDEX UNIVERSAL LIFE (IUL)Index universal life insurance usually offers comprehensive benefits tailored for healthy individuals. It provides a death benefit for beneficiaries, cash value growth based on market performance, and flexibility in premiums and coverage. Policyholders can access funds through withdrawals or loans against the cash value. Additionally, living benefits such as accelerated death benefit and long-term care options offer added financial security during the insured's lifetime.
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ANNUITIESAnnuities offer a reliable source of income, providing you with regular payments to support your lifestyle in retirement. With various options available, including fixed, variable, and indexed annuities, you can choose the one that best fits your needs and goals. Whether you're looking for guaranteed income, growth potential, or flexibility, annuities can help you achieve your retirement dreams. Explore our range of annuity products and start planning for a more secure tomorrow.
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HEALTH INSURANCEDiscover the power of health insurance. Protect your well-being and that of your family with our comprehensive coverage.
I find coverage for your family to protect what matters most.
With expertise in life, health, and financial solutions, Alejandra Velarde, MBA, brings experience and dedication as an insurance broker. Committed to integrity and personalized service, Alejandra ensures every client receives the necessary protection to secure their future.
Contact us today to gain the peace of mind you deserve!
Alejandra Velarde MBA Life, Health and Financial Solutions Insurance Broker
WHO NEEDS LIFE INSURANCE AND WHY:
PARENTS
To ensure financial security for their children and spouse.
BREADWINNERS
To replace lost income and cover living expenses for their family.
HOMEOWNERS
To pay off mortgages and other debts, preventing financial strain on loved ones.
MARRIED COUPLES
To protect each other's financial well-being and future plans.
BUSINESS OWNERS
To cover business debts, ensure continuity, and provide for their family in case of their death.
INDIVIDUALS WITH DEPENDENTS
To provide for children, aging parents, or other dependents who rely on their financial support.
ANYONE WITH FINANCIAL OBLIGATIONS
To cover funeral expenses and leave a legacy for their loved ones.
Life insurance provides peace of mind and financial security, ensuring that loved ones are protected and can maintain their quality of life even after the insured's death.
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SHORT TERM LIFE INSURANCETerm life insurance covers a set period, typically 10 to 30 years, providing a death benefit if the insured passes away during that time. It's affordable and straightforward, ideal for temporary financial protection.
-
WHOLE LIFE INSURANCEWhole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual. It offers a death benefit to beneficiaries upon the insured's death and accumulates cash value over time, which can be accessed by the policyholder. Whole life insurance typically has guaranteed premiums and a guaranteed cash value growth rate, making it a long-term financial planning tool.
-
ACCIDENTAL DEATH BENEFIT INSURANCEAccidental Death Benefit Insurance is a policy that provides an additional payout if the insured's death is caused by an accident covered by the policy.
-
MORTGAGE INSURANCE PROTECTIONIs a type of life insurance policy that helps cover the outstanding balance of a mortgage if the insured individual passes away. It ensures that the mortgage will be paid off, providing financial security for the borrower's family or beneficiaries. Theplan also includes a feature where all premiums paid are returned to the policyholder at the end of the term.
-
DISABILITY INSURANCEDisability insurance provides financial protection by replacing a portion of your income if you become unable to work due to illness or injury. It typically pays a monthly benefit to help cover living expenses such as mortgage or rent, utilities, and other bills.
-
INDEX UNIVERSAL LIFE (IUL)Index universal life insurance usually offers comprehensive benefits tailored for healthy individuals. It provides a death benefit for beneficiaries, cash value growth based on market performance, and flexibility in premiums and coverage. Policyholders can access funds through withdrawals or loans against the cash value. Additionally, living benefits such as accelerated death benefit and long-term care options offer added financial security during the insured's lifetime.
-
ANNUITIESAnnuities offer a reliable source of income, providing you with regular payments to support your lifestyle in retirement. With various options available, including fixed, variable, and indexed annuities, you can choose the one that best fits your needs and goals. Whether you're looking for guaranteed income, growth potential, or flexibility, annuities can help you achieve your retirement dreams. Explore our range of annuity products and start planning for a more secure tomorrow.
-
HEALTH INSURANCEDiscover the power of health insurance. Protect your well-being and that of your family with our comprehensive coverage.
FREQUENTLY ASKED QUESTIONS
READY TO SECURE YOUR FAMILY’S FUTURE?
Contact Alejandra Velarde MBA today to explore personalized insurance solutions tailored to your needs.