We know that acquiring life insurance is an important decision and that it should not be taken lightly, as this insurance will be the guarantee that your family will be calm in the face of any unexpected mishap and, if you miss them, they will not be helpless.
It is in you to choose the right insurance for you and your family, we want to provide you with the best option that suits your needs and interests. This decision is very important and we want to be with you to guide you in this great step.
Acquiring an insurance policy is not an obligation, but it is an intelligent decision and for those families who are surprised by death, this policy can be their life jacket, that is why you must choose a plan tailored to fit Your needs and yours.
Are you one of those who always want to be one step ahead of any uncertainty? If the answer is yes, do not worry, there are many of us who think about the permanent well-being of our loved ones, so what can we do so that our family is insured when we are not there for them?
If you have reached the point where you have already decided to buy life insurance, it is time for you to know what types of insurance you can buy. You can choose if you want to invest in a short or long term policy, depending on your needs or those of your family, if you are an adventurer, or you want total control of your life; If you are one of those who do not rest until you know that yours will be calm no matter what, here we show you options that meet your requirements.
Within the short term, and therefore cheaper, we can find two: – Annual Renewable Term Temporary Policy: This life insurance provides coverage for one year, after which it must be renewed, adjusting the premium according to your age With this policy
You will have the freedom to change it every year if you wish or if you are not sure of acquiring a permanent commitment.
– Level Term Policy: You can purchase it with terms of 5, 10, 15, 20, 25, 30 or more years and the premium will remain unchanged for the selected time. It is ideal for young families who have obtained a debt to buy a house or save for their children’s university since it is designed to provide some economic slack to their family in case the insured person dies. They almost never include a cash value or a savings component. This type of life insurance is ideal for you if you are one of those who like to always be cautious with the safety of yours.
PERMANENT LIFE INSURANCE
They are designed to provide coverage throughout your life, they have a higher premium and their main feature is that they represent a source of savings that grow over time and that is available to you to withdraw when you need it, you can also invest or ask A loan with your insurance as collateral.
– Ordinary Life Insurance (Whole Life Insurance): They remain active throughout your life, except if you charge the value of the policy or stop paying the premiums.
–Universal Life Insurance, Also Known As Universal Life Insurance with Flexible Insurance Premium: These insurances allow you to choose the amount of coverage, the insurance premium you will pay and probably, the cash value that you will accumulate. As long as you make the insurance premium payments and do not withdraw or take a cash value loan and best of all, the interest rate earned for the cash value is not reduced. In the same way, these insurances allow modifying the amount of the premium, the death benefit or the cash value at any time.
We know you are important to your family. Acquiring life insurance is the easiest and smartest way you can take if you want your family not to be helpless in case you can’t be there for them; In addition, it is also an excellent way to save or have a good guarantee when it comes to getting a loan.
Your peace of mind is the most important thing for you to live intensely every moment of your life with your family, but do you think you have your future secured? That is really the question you should ask yourself. In Globofran we assure you so that you feel calm and have the certainty that your loved ones will be guaranteed if you do not get to be for them. Contact us to advise you and help you make the best decision.