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Armelio Toska

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Types of Life Insurance Products

There is NO one size fits all solution.

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Why do I need Life Insurance?

Providing financial security for loved ones

If you have dependents such as a spouse, children, or aging parents who rely on your income, life insurance can provide financial security for them in the event of your unexpected death.

Paying off debts and expenses

Life insurance can help pay off outstanding debts, such as a mortgage, credit card debt, or student loans, and cover final expenses such as funeral costs.

Business continuity

If you own a business, life insurance can help ensure the continuity of the business in the event of your unexpected death by providing funds for a buyout or to hire a replacement.

Estate planning

Life insurance can be used as part of an estate planning strategy to ensure that your beneficiaries receive an inheritance, cover estate taxes, or leave a charitable gift.

Peace of mind

Having life insurance can give you peace of mind, knowing that your loved ones will be taken care of financially if something unexpected were to happen to you.

Short List of Carriers I am Partnered With!

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Products

Scope of Services

Final Expense

Final expense insurance is a policy that covers funeral and burial expenses, ensuring your loved ones aren't financially burdened at your passing. It's designed to provide peace of mind by covering these specific costs.

Mortgage Protection

Mortgage protection insurance is a policy that pays off your mortgage in the event of your death, ensuring your family can keep their home without financial strain. It's designed to provide security by covering your outstanding mortgage balance.

Whole Life & Term Life

Whole life insurance provides coverage for your entire life and includes a savings component (cash value) that grows over time. It offers guaranteed premiums and a guaranteed death benefit.

Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and pays a death benefit if you pass away during the term. It's typically more affordable than whole life insurance but does not accumulate cash value.

Accidental Death Benefits

Accidental death benefit is a supplemental insurance policy that provides an additional payout if the insured person dies due to an accident. It's designed to offer extra financial protection beyond the standard death benefit of a life insurance policy in cases of accidental death.

Index Universal Life

Index universal life insurance links cash value growth to stock market indexes like the S&P 500, offering flexible premiums and death benefits with potential for cash accumulation based on market performance.

Wealth Strategies/ Retirement Planing

Wealth strategies and retirement planning involve developing personalized financial plans to build and manage wealth over time, ensuring financial security during retirement. This includes strategies like saving, investing, and managing assets to achieve long-term financial goals and maintain a comfortable retirement lifestyle.