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Planificación de seguros de vida



Universal life insurance is a type of permanent life insurance policy that offers lifetime coverage and flexible premium payments.


It has an investment component, which allows you to invest in a variety of funds and accumulate tax-deferred cash value.

 This cash value can be withdrawn or borrowed against in the future.


Universal life insurance also has the ability to adjust the death benefit amount and premium payments to meet your changing needs.


With universal life insurance, you can get the protection you need and the financial security you want.

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Indexed life insurance is a type of life insurance policy that offers the potential for cash value growth, based on the performance of a stock market index such as the S&P 500.


It allows policyholders to benefit from market growth while protecting them from losses due to market downturns. The cash value growth of the policy is linked to the performance of the index, but is subject to a minimum interest rate guarantee and may also be subject to participation and/or cap rates set by the insurer.


Indexed life insurance can provide a tax-advantaged way to supplement retirement income, and may also provide a death benefit to your beneficiaries upon your passing.

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101g Rider 

A life insurance rider 101g is an add-on to a life insurance policy that allows the policyholder to increase their death benefit without having to take a medical exam.


This rider allows policyholders to increase their coverage in increments of $25,000, up to a maximum of $250,000.


The cost of a 101g rider is typically based on the policyholder's age and health, as well as the amount of coverage being added.


The rider is a great option for those who need additional coverage but do not want to have to go through the process of a medical exam.

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