Reemplazo de ingreso
Años de sus ingresos, pagados libres de impuestos a quienes dependen de ellos.
Seguro de Vida
Si su ingreso desapareciera, la hipoteca y el supermercado no. El seguro de vida reemplaza lo que usted provee, y para la mayoría de las familias la respuesta honesta es cobertura a término asequible.
Lo que el beneficio realmente protege
Un beneficio por fallecimiento no es abstracto. Es el pago de la hipoteca, el cuidado de los niños y tiempo para que una familia haga duelo sin pánico financiero.
La casa
Lo suficiente para mantener la hipoteca pagada y que la pérdida no obligue una mudanza.
Los hijos
Cuidado infantil y educación, gastos que continúan por años.
Los momentos en que la gente lo compra
- Padres primerizos
- Compradores firmando una hipoteca a 30 años
- Hogares de un solo ingreso
- Dueños de negocio con familia que depende del negocio
Qué cubre y qué no
Generalmente cubierto
- Income replacementA tax-free payment to the people who depend on your earnings if you die during the term.
- The mortgage and debtsEnough to keep the house and clear what you owe, so grief does not come with a forced move.
- Children's future costsChildcare and education, the expenses that continue for years.
- Final expensesFuneral costs and the bills that arrive at the worst time.
No cubierto aquí
- Death after the term endsTerm insurance covers a set period, like 20 or 30 years. Outliving it means no payout, which is the point: it is protection, not investment.
- Misstatements on the applicationMaterial misrepresentation can void a policy. Honest answers protect your family's claim.
- Suicide in the first two yearsPolicies carry a standard exclusion period, usually two years, after which it is covered.
- Some risky activitiesCertain aviation, occupational, or hazardous-activity exposures can be excluded or rated. We will flag anything relevant before you apply.
Preguntas frecuentes
How much life insurance do I need?
A common starting point is ten to fifteen times your annual income, adjusted for your mortgage, debts, number of children, and what your family would actually need to stay in place. We work through that with you rather than defaulting to a round number.
Term or whole life?
For most families the honest answer is term: far more coverage per dollar during the years people depend on you. Permanent insurance has real uses, mostly around estate planning and lifelong dependents. We will tell you plainly which situation you are in.
Do I need a medical exam?
Many policies today offer accelerated underwriting with no exam for qualified applicants, depending on age, coverage amount, and health history. Where an exam gets you a meaningfully better rate, we will say so.
Is the payout taxed?
Life insurance death benefits are generally income-tax-free to beneficiaries. Large estates can involve estate tax questions, which belong with your tax advisor. We coordinate with them when it matters.
I have coverage through work. Is that enough?
Group coverage is a good start but is often one or two times salary and usually ends when the job does. A personal policy is yours regardless of employer, and rates are typically best while you are young and healthy.
Coberturas que combinan con esta
Descubra la cobertura que su familia realmente necesita
Diez minutos de preguntas sobre ingresos, deudas e hijos. Dimensionamos la cobertura y comparamos aseguradoras desde ahí.