01↗
Provide.
Help your family pay the bills.
Death benefit protection
A life insurance death benefit gives your beneficiaries money they can use for funeral costs, mortgage payments, and household expenses after your death.
Ask about coverageLIFE INSURANCE & ANNUITIES
Life insurance.
For the people
who count on you.
Help your family cover the mortgage, replace your income, or pay final expenses. Talk with Estevan Montoya about coverage and what it could cost.
Request a callSpeak directly with Estevan · (505) 428-9141
PROVIDE.
PROTECT. PLAN.✳
PROTECT. PLAN.✳
SERVING CLIENTS IN
New Mexico ✦ Colorado ✦ Texas ✦ Washington
PROVIDE. PROTECT. PLAN.
What do you need
your coverage to do?
Start with the expenses you want covered, the people who depend on you, and what you can afford each month.
02↗
Protect.
Help with costs during an illness.
Living benefits
Some policies let you access part of your death benefit if you have a qualifying illness. Ask which living benefits are available and how a claim would affect your coverage.
Ask about coverage03↗
Plan.
Prepare for retirement expenses.
Annuities & cash value
Annuities can provide retirement income. Permanent life insurance can build cash value. Review how each works, including costs, access to your money, and policy requirements.
Ask about coverageBenefits, eligibility, costs, and availability vary by carrier, product, and state. Living benefits can reduce the death benefit. Cash value policies and annuities may involve charges and surrender periods.
MEET YOUR AGENT
I’m Estevan Montoya.
When you contact Southwest Life Agency, you’ll work with me. We’ll review who depends on your income, any coverage you already have, and the amount you’re comfortable spending.
I’ll explain the benefits, costs, and limitations of the options we discuss. If you decide to apply, I’ll help you through the application.
Call Estevan · (505) 428-9141New Mexico License/NPN20073105Colorado735524Texas2962541Washington1246974
CONTACT ESTEVAN
Have questions
about coverage?
Send your information and I’ll contact you by phone or email. We can discuss final expense coverage, protecting your mortgage, or planning for retirement.
- Tell me what you need.Choose an interest and enter your contact details.
- Review coverage and costs.We’ll discuss your budget and coverage needs.
- Decide whether to apply.Review the details before making a decision.
LIFE INSURANCE QUESTIONS
What to know
before you apply.
How much life insurance do I need?+
Consider the income your family would need to replace, debts, final expenses, and how long they would need support. Then account for savings and life insurance you already have. Estevan can help you review these amounts.
What affects the cost?+
Your age, health, tobacco use, coverage amount, and policy type can affect your premium. A quote is an estimate; the insurer determines eligibility and the final rate.
What is mortgage protection?+
Here, mortgage protection means life insurance intended to help your beneficiaries make mortgage payments or pay off the loan if you die. It is different from private mortgage insurance (PMI), which protects the lender.
What are living benefits?+
Certain policies or riders allow an early payment from the death benefit for a qualifying illness. Definitions, limits, and charges vary. An early payment reduces the benefit left for your beneficiaries.
How are annuities and cash value life insurance different?+
An annuity is an insurance contract that can provide income. Cash value is a feature of some permanent life insurance policies. Both can have ongoing costs and limits on access to funds. Policy loans and withdrawals can reduce cash value and death benefits; tax consequences may apply.
Does this form start an application?+
No. The form requests a follow-up from Estevan. Coverage begins only after the insurer approves an application and all requirements for coverage to take effect are met.
How we use your information
The information you submit is used by Southwest Life Agency to respond to your inquiry and discuss insurance options. It is stored in the agency’s lead system. Contact details and your selected interest may be sent through Make to Google Sheets when that integration is enabled; date of birth and your questions or notes are excluded from that transfer. To request access, correction, or deletion, call (505) 428-9141.