Protect Your Future with an Indexed Life Insurance
We will help you get life insurance coverage today, no medical exams, no blood tests
Welcome
Discover how an IUL can give you security and profitability for your future and that of your Family.
In a world full of economic uncertainty, having life insurance not only means protecting your family in the event of an unforeseen event, but also ensuring that your money grows intelligently. Indexed life insurance combines vital protection with growth potential, using market indices as a benchmark to give you competitive returns without the risk of significant losses.
What is Indexed Life Insurance?
An indexed life insurance policy is a policy that provides life coverage while allowing part of your premiums to be invested in a market index. This means that your insurance not only covers the essentials but also offers the possibility of accumulating a cash value that can grow as the markets perform well.
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Did you know the benefits of IULs?
IUL's 4 Benefits:
Potential growth:
Your funds are invested in market indices, which means you can earn a return higher than traditional life insurance policies.
Risk-free protection:
Unlike direct investments in stocks, your indexed life insurance policy won’t suffer losses if the market performs poorly. You have a minimum guaranteed percentage.
Flexibility:
You can access your cash value through loans or withdrawals, giving you access to money when you need it most.
Tax benefits:
The growth of the cash value is tax-deferred until you withdraw it, allowing you to enjoy more efficient growth.
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testimonios
¿Qué dicen nuestros clientes de nosotros?
’m very grateful to Carola Márquez for helping me choose the best life insurance for my family. Her service was exceptional, always willing to answer all my questions and explain the details of each option. Thanks to her guidance, I feel at peace knowing my loved ones are safe. Highly recommended!
Jorge Pérez
When I decided to invest in an indexed life insurance policy, I was a bit confused about how it worked, but Carola made the entire process clear and easy to understand. She explained how the insurance not only offers protection but also an excellent investment option that will provide me with financial security in the future. Her professionalism and knowledge of the product are impeccable. Thank you for everything, Carola!
Carmen P.
I recently lost a loved one, and it was a very difficult time. However, thanks to the team at Cocowa Partners, I was able to purchase a funeral insurance policy that gave me peace of mind in the midst of grief. They guided me step by step through the entire process and took care of everything so I didn’t have to worry about anything. Truly human and professional service. I’m very grateful!
Jennifer F.
Frequently Asked Questions
How much does life insurance cost?
Many individuals tend to overestimate the price of life insurance, calculating it to be 300% or more higher than the actual cost. This price depends on your particular situation. Key factors that can influence your premium include the amount of coverage, the duration, your age, your health status, and whether or not you smoke. If you purchase insurance early, you can secure a lower premium and save more money in the long run.
I already have a life insurance policy provided by my employer
Life insurance policies provided by employers typically offer coverage equal to 1 or 2 times your annual salary, which only represents a small portion of what many families actually need. Additionally, if you decide to leave your job, that coverage usually ends. As a general rule, it is recommended to have 10 times your salary in life insurance, which is why many people choose to purchase individual term policies to supplement the coverage they get through their work.
How much life insurance coverage do I need?
A common and simple way to estimate how much life insurance coverage you need is to multiply your annual income by 10. This method provides a quick and practical guide to ensure that your loved ones are financially protected in case something happens to you.A more detailed strategy is to calculate your long-term financial obligations, such as mortgages, student loans, or any other significant debt.
Once you have this figure, you can subtract your assets, such as savings or investments, that could be used to cover these commitments. The result of this subtraction will give you a clear idea of the financial gap that life insurance needs to fill to guarantee your family’s economic stability in the future.
