Life
Life insurance may be one of the most important insurance coverages to consider for your family. Knowing you have the coverage you want can help you face financial fears with confidence that you're providing financial support for those you'd leave behind. I want to understand your goals and discuss options so you can select the products you want, such as term life, whole life, or universal life insurance.
LIFE INSURANCE
Welcome to the De La Cruz Agency in Colorado! As your local Insurance agent, I understand that life insurance can be a complicated subject. That’s why my mission is to provide you with the information and guidance you need to make the best decision for your family.
My name is Pamela De La Cruz, and I will work with you to create a customized policy that meets your individual needs. I am committed to helping you understand the importance of life insurance and the various options available to you. I will explain the various types of policies, the differences between them, and the coverage they provide while also helping you to understand the different pricing options and how to get the most value out of your policy. Reach out today to get started!
WHY LIFE INSURANCE?
Securing your family, business, or income's financial future is an important task. Whether it's protecting your home with a mortgage, providing for your children, or helping your business stay secure, life insurance can be a crucial part of the equation.
Mortgage Debt
Protecting your family’s home takes more than a good alarm system. For most of us, a home is the most expensive purchase we ever make, and a mortgage is the biggest debt we’ll ever pay. Life insurance proceeds can help your family keep the home you worked hard for. Contact me today to help financially prepare for tomorrow.
Children
Food, clothing, vacations, education… There's no question, raising a child is a huge financial commitment. Life insurance proceeds can help financially support those you leave behind so a personal tragedy doesn’t become a financial one. Let me help so you can evaluate your needs and choose a solution.
Future Income
Who depends on your income today, and in the future? Are you building a nest egg for your spouse? Supporting a loved one with special needs? Applying for life insurance today could help you provide them with financial support when you’re no longer here. I can help you determine what sort of life insurance you need, and how much coverage you want.
Business
People can be a business’s biggest asset, and its biggest expense. Life insurance can help you cover your business against the loss of key employees, help fund the transfer of a business when one owner or partner dies, or help you retain valuable employees as a long-term benefit. As a business owner myself, I understand just how important planning for these issues can be.
Let me help you plan for the future and create a financial safety net to protect your loved ones and business. Contact me today to discuss your needs and choose the right life insurance solution.
Life Insurance Options
Term Life
The simplest type of life insurance, and usually the least expensive to start.
- Provides coverage as long as you pay the premiums, typically up to age 90.
- Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age.
- Can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes.
Whole Life
Whole life insurance is designed to last as long as you do.
- Coverage up to 121 years old as long as all required premiums are paid.
- Premiums never increase, from the day your policy is issued to the day premiums are no longer required at age 100.
- Initial premiums are higher than term insurance, with funds accumulating within the policy as cash value.
- Whole life is the most conservative type of permanent life insurance, with guaranteed level premiums, guaranteed cash value accumulation, and a guaranteed death benefit2.
Universal Life
Like whole life, universal life insurance offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums3, and allows you to adjust the death benefit amount.
- You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there’s enough value in the account to cover the deductions.
- You can build more cash value by paying more premium.
- When times are tough, you can reduce or even pause premium payments as long as there’s enough cash value to cover policy costs.
HOW IT WORKS
Life insurance coverage can be a great way to protect your loved ones in case something happens to you. At the De La Cruz Agency in Colorado, I understand how important it is to make sure your family is taken care of, so I offer a variety of life insurance policies to ensure that your loved ones are provided for in the event of your passing. Whether you’re looking for term life insurance, whole life insurance, or universal life insurance, I can help you find the best coverage for your needs. With my extensive knowledge and competitive rates, you can rest assured that your family will be financially secure in the event of your death. Don’t wait another day to make sure your loved ones are taken care of — contact the De La Cruz Agency in Colorado today to learn more about our life insurance coverage options.
THE BENEFITS OF LIFE INSURANCE COVERAGE
As Colorado’s premier local life insurance agent in Colorado, I understand the importance of life insurance coverage. It is an invaluable asset that can provide your family with financial security and peace of mind during difficult times.
Life insurance is an important part of any financial plan. It can provide your family with the money they need for a variety of expenses, such as funeral costs, medical bills, and mortgage payments. It can also be used to provide an income for your family if you are no longer able to do so. It can also help your family cope with the financial burden of death in the family. Your family will receive a lump-sum payment from the policy, which can be used to cover expenses and provide a financial cushion. This can help relieve some of the financial pressure on your family during a difficult time. Knowing that your family will be taken care of financially can be a great source of comfort. You can rest assured that your family will be provided for, even if you are no longer here to do so.
At the De La Cruz Agency in Colorado, I understand the importance of life insurance coverage. I can help you find the right policy for your needs and budget, so you can have peace of mind knowing that your family will be taken care of in the event of a tragedy. Contact me today to learn more about the benefits of life insurance coverage.
CONTACT DE LA CRUZ AGENCY FOR LIFE INSURANCE
At the De La Cruz Agency, I understand that life insurance coverage can seem like a daunting task. But when it comes down to it, life insurance coverage is one of the most important investments you can make in protecting your family’s future. With the right coverage, you can rest assured that your loved ones will be taken care of if something were to happen to you. That’s why I’m here to help you make the right life insurance decisions to ensure that your family is protected. So don’t wait any longer to get the coverage you need. Contact the De La Cruz Agency today and let’s get started.