Pedro Diaz Ramos

This is the basic information needed to produce any life insurance quote. Smoker is defined as having consumed any nicotine or tobacco products in the last 12 months (including e-cigarettes). Insurance brokers assess your specific needs and shop the market to find the best products available. You might think brokers cost more than working directly with an insurance company, but they don't.

Final Expenses Insurance is a permanent Life Insurance Solution desgined to ensure that person's Final Expenses (funeral costs, estate taxes, etc.) are covered. For example, if a person insured for $50,000 dies, the insurance company will pay the policy's beneficiary $50,000. It is up to them how to spend the money.

We have access to over 13 different Life Insurance Companies that offer Non-Medical, Simplified and Guaranteed Issue life and critical illness insurance. No condition is impossible to insure. Through our large insurance portfolio, we have access to provide GUARANTEED life insurance to anyone over the age of 18, no matter what their medical or residency status is.

Life insurance is simple: it is designed to pay your beneficiaries a tax-free benefit in case of your death. Life insurance is not meant to "benefit" your dependants but rather to allow you to continue to meet your financial obligations (mortgage, debt, feeding your family, etc) even after you have passed away.

There are three major components that should be taken into consideration when looking to invest. Investments are not set-it-and-forget-it. We ensure that we review your investments with you at least once a year to ensure that it still meets your objectives and risk tolerance. Needs change over time, and so do the purpose for investing.