Family Protection
We have brokerage relationships with over 100 Life Insurance Carriers to help our clients in New Mexico. We only use A+ rated carriers that have a strong reputation for good customer service.
Again, as an insurance broker, we work for you the client, not the insurance company.
Term Life - Low cost and temporary coverage for a specific time period and for a specific amount of death benefit. There is no cash value accumulation.
Universal Life - Is a life insurance that can provide flexibility of premiums and coverage. Coverage can be designed to suit your needs. It is an interest rate sensitive coverage; cash value and coverage may be affected by economic downturns, resulting in a higher premium to extend coverage.
Whole Life - A life insurance policy that can provide lifetime insurance coverage and a cash accumulation account. Is considered to be the safest type of coverage and is typically more costly than other types of policies.
Income Protection
Disability Coverage - Provides an income stream in the event of a long term (lasting over 1 month) sickness or injury.
Overhead Expense - Protects your business in the event of a sickness or disability. The policy is owned by the business and can help cover expenses such as: rent, wages, utilities, and other cost of doing business.
Asset Protection
Long Term Care - LTC is an insurance policy that can pay for home health care, assisted living and /or nursing home costs. Typically most policies are designed to pay up to a fixed amount per day for a certain number of years.