Luis Cuevas
Prepare Today ~ Protect Tomorrow
Helping Clients Since 2016
Personal Financial Protection
Explore Options to protect your savings and retirement from unexpected medical expenses, taxes, and stock market loss:
~Flex Life Insurance
~Retirement Savings with No Market Loss
~Life Insurance with Living Benefits
Veteran Owned Agency
Bringing the same dedication I gave in the military; I work hard for my clients to find the best options to help protect your loved ones, & safeguard your savings, assets, and retirement.
Flex Life Insurance
A Flex Life policy is an insurance plan which provides insurance benefits and a savings benefit. The two biggest causes of financial hardship are Unexpected Medical Expenses & Loss of Income. Flex Life provides cash benefits for a serious illness, injury, or death; while also providing a savings benefits which grows tax deferred and earns average market like returns without market loss.
Benefits:
➡️ Critical Illness & Injury Benefit
➡️ Chronic Illness Benefit
➡️ Death Benefit
➡️ Savings Benefit
Retirement Savings
No Stock Market Loss
No Fees
Tax Deferred Growth
Tax-Free Access Option
Lifetime Income Option
Ideal for those who want a retirement savings option that provides the potential for average stock market returns, without market loss and without fees. Which means you keep 100% of the contributions and interest earned.
Leverage Living Benefits Life Insurance
Living Benefits Life Insurance provides a death benefit to protect your family, but also provides access to the death benefit if you have a serious illness or injury.
2 Options Available
Term Life Insurance - A lot of life insurance for the lowest cost for a 10 to 30 year period.
Whole Life Insurance - Permanent life insurance that will never cancel, the benefit and premium are locked in.
Do you have some questions or want more information on insurance or retirement options?
Give me a call or send me a message at 833-454-3535:
Quick Answers to Common Retirement & Insurance Questions
What factors determine the cost of my life insurance policy?
The cost is influenced by several factors including your age, health, lifestyle, the type of insurance, the amount of coverage, and the term length. Smokers or individuals with high-risk occupations or hobbies may face higher premiums.
How do I choose the right type of life insurance for my needs?
Consider your financial obligations, your health, and your financial goals. Term insurance is suitable for those needing coverage for a specific period, while whole or universal life might be better for long-term needs. Consulting with our advisors can help tailor the best policy for you.
How is there no market loss in the retirement plan?
Your money is not directly invested in the market. The company will credit your retirement savings only when there is a positive change in the market.
Should I really consider supplement medical insurance?
Yes, here is why. 1 in 3 people will be diagnosed with cancer. Every 40 seconds someone is experiencing a heart attack or stroke. 1 in 5 people will experience a disability longer than a year before retirement.
Top 2 reason for bankruptcy is Medical Bills and Income Loss.
Supplement Medical Insurance can provide the cash benefits to help you so you don't need to use savings or retirement.
Is life insurance through work enough?
While employer-provided life insurance is a valuable benefit, it may not be sufficient to meet all your financial security needs. It often offers a base level of coverage and may not be portable if you change jobs. Employer life insurance should be considered a supplement to your personal life insurance plans.
Is my health insurance enough?
Even the best health insurance plans will have out-of-pocket expenses. Supplement plans like Everyday Medical Plans, will give you cash benefits on top of your health insurance. These benefits have no restrictions.
Luis Cuevas
Contact
📞 833-454-3535
"I enjoy educating my clients on insurance and retirement options available to safeguard their assets and protect their family.
