Customized Insurance Solutions
Discover our customized insurance solutions to protect your family, home and financial future. Quote today with no obligation
Final Expense & Burial Coverage
Final expense insurance is an important consideration for anyone looking to provide for their loved ones and alleviate the financial burden of end-of-life expenses. These expenses can include medical bills, funeral costs, and outstanding debts, and can add up quickly, leaving loved ones with the added stress of figuring out how to pay for them.
We understand the importance of this coverage and are dedicated to helping our clients find the right policy at an affordable rate. With our extensive experience in the industry, we have the knowledge and expertise to create personalized policies that meet your specific needs and budget. Our brokerage works with a wide range of insurance providers to find the most competitive rates for our clients. Whether you’re looking for coverage for yourself or a loved one, we can help you find a policy that provides the peace of mind you need, knowing that your loved ones will be taken care.
If you would like to know more about how to choose the correct policy at the most affordable rate, I recently wrote an ebook called .
Mortgage Protection
Your home is more than just a structure, it’s a place where you create cherished memories and share them with the people you love. It’s where you build a life, and it’s where you want to feel safe and secure. That’s why it’s so important to protect your home and your loved ones.
We understand the importance of protecting families and we have over 15 years of experience in helping people like you find the right mortgage protection policy. Our policy can protect your mortgage payments in case of critical illness, serious injury or even death, so your loved ones can keep living in the home you’ve built together without worrying about financial burden.
As an independent brokerage, we have the freedom to design a policy that suits your specific needs and budget. We don’t have to push a certain product, instead, we can offer you a policy with only the features that are important to you and at a competitive rate.
If you would like to know more about how to find the correct policy to protect your home and loved ones, I recently wrote an Ebook called
Life Insurance
Take a moment and really think about the people in your life that matter. You’d do anything for them, and odds are you already are, by working hard and doing your part to provide them with a life that’s comfortable. Even after you’ve passed on, there are still steps you can take to ensure they’re taken care of.
We understand that the greatest gift you can give someone is the gift of stability. The right life insurance policy can provide exactly that. With more than 15 years of experience, we know that everyone has different needs, and we’re experts in crafting precisely the right policy for each and every client. Additionally, since we aren’t affiliated with a major insurance carrier, you never have to worry about being pushed into buying policies with features you’ll never need. Our flexibility allows us to cherry-pick just the features you need, and at pricing that’s surprisingly affordable.After your policy has been activated, we’re still here to help. From emergencies to quick questions, our team is easy to reach, knowledgeable, and helpful.
Annuities & Retirement
For most people, the American Dream can be summed up into three parts. First, you go to college or find yourself a career where you can have a future. Second, while you’re working for the next several years, you’re putting money away consistently. Third, you retire, live comfortably on your saved funds, and thoroughly enjoy your golden years. The above paragraph seems pretty straightforward. However, in order to realize your own American Dream, you need a plan that makes sense, and a smart team helping you make it happen.
Nearly two decades of experience are at your service to help you find the right retirement plans using annuities and universal life policies. Wherever you are in your professional and personal journey, we’ll help you take the right steps to protect your assets, prepare for potential emergencies and medical issues, and create a financial plan that allows you to maintain your standard of living. Because your financial goals are as unique as you are, we’ll help you create a customized policy. Once that’s done, we strive to always be available to answer all of your questions and assist you whenever we can.
Infinite Banking & Debt Free Planning
Infinite banking refers to a process by which an individual becomes his or her own banker. The infinite banking concept was created by Nelson Nash. In his book, “Becoming Your Own Banker,” Nash talks about the use of whole life insurance policies that distribute dividends and how owning such policies allows individuals to dictate the cash flow in their lives by borrowing against/from themselves instead of depending on banks or lenders for loans.
The amount you need to start infinite banking will depend on your life insurance policy provider. Age may affect the cost of monthly premiums, so it’s often best to start as early as possible. Since you can only borrow against the cash value savings portion, a large amount of money has to be contributed to the insurance policy over time before borrowing against it makes sense. Because of this, infinite banking may not always be a good solution for the average American.
Insurance IUL (index universal life)
Protect your Financial Future with Index Universal Life Insurance (IUL)”.
Looking for a solution that combines lifetime protection with secure financial growth? Our Index Universal Life (IUL) insurance is the perfect answer for those who want to protect their family while taking advantage of the market’s growth potential without exposing themselves to financial risk.
Life Life Insurance Coverage
Benefit : Provides lifetime protection for your beneficiaries, ensuring that they will receive a benefit in the event of your death, no matter when it occurs.
Why it’s important : Unlike term insurance (such as Term Life), IUL guarantees that your family will always be financially protected, even decades after you take out the policy.
2. Cash Value with Potential Growth
Benefit : You accumulate a cash value that grows based on the performance of stock market indexes such as the S&P 500, but with protection against market losses thanks to a guaranteed floor (usually 0%).
Why it’s important : This cash value can be used during your lifetime for emergencies, supplementing your retirement or funding important goals (education, home purchase, etc.). Plus, you don’t lose money if the market drops.
3. Flexibility in Premiums and Benefits
Benefit: Offers total flexibility in premium payments and coverage adjustments. You can increase or decrease premiums according to your current financial needs, as long as certain minimum requirements are maintained.
Why it’s important : This flexibility allows you to adapt the insurance to different stages of your life (e.g., when you have children, when you retire, etc.), making it a versatile financial tool.
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Why choose us ?
Because at Maria Arce Insurance we offer customized insurance solutions, expert advice licensed in all U.S. states and an unwavering commitment to your financial protection.
