In its simplest form, life insurance is a promise between an insurance company and you, the policyholder. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us when the person whose life is being insured dies.
There are many types of life insurance. Term insurance only provides a death benefit for a limited period of time. In contrast, permanent insurance can provide a death benefit and the potential to build cash value in the policy that you can access during your lifetime through policy loans and withdrawals. Permanent insurance can also offer the flexibility to increase or decrease your death benefit as your needs change, as well as the ability to reduce or skip premium payments.
These policies are designed for individuals who desire guarantees and are focused on providing death benefit protection on the accumulation of cash value.
Benefits:
- Guaranteed death benefit.
- Guaranteed cash value.
- Potential additional cash value from receipt of dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
- Level premiums that are guaranteed never to change.
May be ideal for the consumer who needs life insurance, is somewhat conservative and wants the guarantees of a fixed minimum interest rate with the potential for additional interest credits. Increased death benefit may be subject to additional underwriting approval.
Benefits:
- Flexible death benefit.
- Flexible premium.
- Policy cash values are credited at a current interest rate set by the insurance company, which is subject to change, but will never be less than a guaranteed minimum interest rate.
May be ideal for those who need death benefit protection, but are focused on accumulating cash value for lifetime needs, such as supplementing retirement income. Increased death benefit may be subject to additional underwriting approval.
Benefits:
- Flexible death benefit.
- Flexible premium.
- Cash value grows based on an interest crediting strategy that is linked to changes in a market index such as the S&P 500.
- Downside protection through minimum guarantees to ensure that your cash value does not decrease due to declines in the Index.
This policy design is for the client who needs life insurance but would like the ability to choose how their cash value is invested. Variable policies are underwritten by National Life and distributed by Equity Services, Inc, Registered Agent/Affiliated Distributor of National Life Insurance Company, One National Life Drive, Montpelier, Vermont 05604. Death benefit increase may be subject to additional underwriting approval. Guarantees are dependent on the claims-paying ability of the insurer and do not protect the value of variable product portfolios, which may fluctuate. Variable policyholders are subject to investment risks, including possible loss of invested principal.
Benefits:
- Flexible death benefit.
- Flexible premium.
- Cash value grows based on the performance of the professionally managed stock, bond and money market subaccounts you choose. You can design a portfolio to match your comfort level and risk tolerance. Policy cash values fluctuate based on the subaccounts in which you are invested and may lose value, including principal.
These are health services that encompass the prevention, wellness and treatment of common illnesses. Primary health care providers include physicians, nurse practitioners, and physician assistants. They often have a long-term relationship with you, counsel you, and deal with various health-related issues. They may also coordinate your health care with specialists.
- Free choice of medical center and specialist.
- Innovative and quality medical treatments.
- Reduced waiting times.
- Flexibility and convenience.
- Different modalities and benefits.
- More comfortable hospitalization.
- National and international coverage.
- Compatibility with public health care.
- Prevention coverage.
- Other coverage.
While none of us can predict when an accident will occur, we can certainly be prepared for them. We encourage our clients to "expect the unexpected" and help protect themselves with our accident plans that can provide coverage for bodily injuries that can result from life's accidents. Because when these unplanned events occur, you want to focus on what's most important: getting well.
BENEFITS:
- Hospitalization.
- Physical therapy.
- Ambulance.
- Surgery and Fractures.
- Emergency treatment, Lacerations.
- Accidental death.
- Dismemberment.
- Important diagnostic examinations.
- Observation room.
- Dislocation.
- Concussion / Coma.
Cancer affects millions of Americans each year, and millions more are overwhelmed when the disease strikes a family member. While the patient must face the days, weeks or months of grueling treatment, family members caring for the patient often have their own battle to face: the challenges that can arise from insufficient health insurance coverage. Our goal is to help patients and their families free themselves from the worry and anxiety of dealing with these challenges. Our supplemental cancer plans pay benefits directly to our policyholders to help manage the financial needs that arise along the way.
BENEFITS:
- First onset.
- Internal cancer.
- Skin cancer.
- Hospitalization.
- Ambulance.
- Radiation planning.
- Radiation and chemotherapy.
- Self-administered chemotherapy.
- Special treatment.
- Surgery and anesthesia.
- Breast reconstructive surgery.
- Second surgical opinion.
- Bone marrow transplant and donor.
- Hospice Welfare.
- Patient transportation and family transportation.
- Lodging for family members.
Serious illness or injury often occurs without warning and may require a stay in the intensive care unit. Our Intensive Care Unit coverage is designed specifically for this type of hospital stay and can provide benefits for confinements in a hospital intensive care unit for any covered illness or accident.
BENEFITS:
- Confinement in the Intensive Care Unit (benefit is doubled if the confinement is due to a motor vehicle accident).
- Reducing unit.
- Ambulance.
- Accidental death.
The number of people suffering from heart attacks and strokes is historically high and is expected to increase, even as the medical community pursues more effective prevention and diagnostic measures to eradicate these diseases. Our heart attack and stroke plan has benefits specifically targeted to contain the out-of-pocket costs associated with a heart-related illness.
BENEFITS:
- First appearance.
- Hospitalization.
- Ambulance.
- Surgery and anesthesia.
- Benefit for a healthy heart.
- Transportation of patients and family members.
- Lodging for family members.
- Physical therapy.
- Heart transplantation.
The number of people suffering from heart attacks and strokes is historically high and is expected to increase, even as the medical community pursues more effective prevention and diagnostic measures to eradicate these diseases. Our heart attack and stroke plan has benefits specifically targeted to contain the out-of-pocket costs associated with heart-related illness.
Whether planned or unplanned, a hospital stay can be stressful for both patient and family. Deductibles, coinsurance and copayments can be confusing and often cause you to pay more out-of-pocket than you planned. Our hospital indemnity plan is specifically designed to help offset those out-of-pocket expenses when you or a family member has a hospital stay. And, like all of our products, benefits will be paid directly to you, regardless of your other coverage.
The Affordable Care Act establishes an open enrollment period, known as Obamacare Open Enrollment. If you do not have health coverage through your employer, Medicare, Medicaid, you can get your insurance through the Marketplace. If you qualify for an Obama Care health plan, the government gives you a subsidy that helps pay for a large portion of your health insurance. The Health Insurance Marketplace is a platform that concentrates all health plan offerings from private insurers. It provides insurance agents with the facility to consult all health insurance options available to individuals, families and businesses. To apply for Obama Care, you are required to meet two requirements: legal status in the United States and a minimum income. The minimum income varies from year to year, please call us for the most up to date information. As you can see, the process is very simple and you will have access to the best health insurance in the United States.
Guillermo Villard
(786)4511599
(682)2481234
Cynthia Villard
(786)7575553
(817)9664347
3424 Midcourt Rd, Carrollton, TX 75006, Suite 122