Protect Your Family
We don't know what life may give us. We need to be proactive in protecting our loved ones and our hard earned income. Learn how you can protect both.
I want to help you!
What is final expense?
Learn about final expense whole life insurance and how you can cover your final expenses so your family doesn't have to worry about coverage.
What is mortgage protection?
Learn what mortgage protection life insurance is and how you and your loved ones can benefit from such a policy.
Schedule A Call
Let's get on a call to see how we can help protect your family. Calls are generally 30 minutes and we can see what options you have. Click Here
Get Instant Quote
While I recommend a call to find a solution that best meets your individual needs, I do have a quick solution to get basic coverage with a simple questionnaire. Click Here
Based in Albuquerque, NM. Serving New Mexico, Colorado, Texas, and California. Teaching families financial literacy to help them build a solid foundation for life.
Licensed Agent, Estevan Montoya • Phone: (505) 428-9141
NM Agent ID/NPN: 20073105 • Colorado: 735524
California: 4200165 • Texas: 2962541
What is Final Expense?
Final Expense* is for the senior market to cover your final expenses.
Final Expense is a whole life insurance policy that is for the senior market who would like to leave behind a death benefit so that their children and family doesn't have to raise funds to cover the final expenses of life.
Benefits of Final Expense Whole Life Insurance
These whole life insurance policies have many features that most people didn't know came included with their policy.
Level Premiums - With the exception of severe medical conditions, most policies stay the same price once approved and payments are being made.
No Medical Work - Though health questions are asked, you don't need to get a physical to get coverage.
Cash Value Growth - Whole life insurance policies, like final expense, accumulate cash growth. In many cases, one can borrow it and it will be paid back by the death benefit itself.
Schedule a call with me!
Let's get on a call to see how we can help protect your family. Calls are generally 30 minutes and we can see what options you have. Click Here
* Not everyone may qualify for this plan. Some plans may be graded based upon health and not all benefits may be paid until 2 years pass of consistent premium payments. Approval is based upon age, health, habits, and hobbies. Insurance carriers make the final decision for both approval and rates.
What is Mortgage Protection?
Mortgage Protection* protects your home in the event of tragedy.
Normally, mortgage protection life insurance policies are a term life insurance policy that are meant to cover the cost of your home if someone were to pass away. Not everyone can qualify for a policy to cover their entire mortgage, so we get a policy that can cover several years of mortgage payments while the family of the survivor mourns and decides what next steps to take in life.
Benefits of Mortgage Protection Life Insurance
These basic term life insurance policies have many features that most people didn't know came included with their policy.
Advanced Death Benefits - If you were to be diagnoses with a critical or terminal illness, you would have access to a large portion of your death benefits.
Affordable Premiums - Unlike permanent life insurance, term life insurance has a set term, which lowers the cost of your premiums.
Cash back options - For an extra cost, this additional rider has the option to pay back 100% or 50% of all the premiums paid during your term if you didn't access the benefits in your policy.
Schedule a call with me!
Let's get on a call to see how we can help protect your family. Calls are generally 30 minutes and we can see what options you have. Click Here
* Not everyone may qualify for this plan. Approval is based upon age, health, habits, and hobbies. Insurance carriers make the final decision for both approval and rates.