About Disability Income Insurance

What is Your Most Valuable Asset?

If you are like most people, your most valuable asset is your income. Your income has the potential to be substantial over your working lifetime, and it depends upon your ability to work and earn a living. Disability Income Insurance is all about protecting the ability to earn that income.

Depending on your age and monthly earnings, your lifetime income could be substantial. Refer to the table below:

Download (PDF, 75KB)

We often take our income for granted, even in the most “secure” of jobs. However, nobody’s income is guaranteed. You are earning a living, but if you suffered a serious illness or injury that prevented you from working, then your income would stop. How would you live without income for weeks, months, or even years? Your basic needs continue -food, clothing, shelter- even after your ability to meet them is cut off.


A long-term disability can be financially devastating, when no money is coming in and expenses for medical care are rising. your ability to ear an income is a valuable asset than can, and should, be well protected.

Leading Causes of Disability

The leading causes of disability may surprise you. Although many people still associate disability with accidental injury, it is more likely that an unexpected illness will interrrupt your income. According to a Recent Survey of the Council for Disability Awareness (CDA) approximately 90% of disabilities are caused by illness rather than by accidents. In fact, the single greatest cause remains muscle, back and joint disorders, including chronic back pain and arthritis.

In the chart that follows the CDA outlines the percentage of existing long-term disability claims by cause during the same year. As illustrated below, accidental injuries caused fewer than 10% of long-term disability claims.

Download (PDF, 17KB)


Plan Ahead – You Can Protect Your Income!

You insure your home and cars – why not insure your most valuable asset – your ability to earn a living? That is what DISABILITY INCOME INSURANCE does.


For a free DISABILITY INCOME INSURANCE Quote meeting your personal and financial needs, click on the link that appears below, provide the information requested on the form and email it back to us. ASAP thereafter, one of our licensed agent will call you to provide you with your DISABILITY INCOME INSURANCE Quote.



Or, Contact Us As Indicated Below:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528
  • Email:

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seguro de vida con devolución de prima

Affordable Life Insurance Rates – April 2017

Affordable Life Insurance Rates

Below you will find current affordable life insurance rates for TERM LIFE INSURANCE, GUARANTEED UNIVERSAL LIFE INSURANCE (a competitively priced form of permanent life insurance) and RETURN OF PREMIUM Term Life Insurance. These rates were obtained for MALE/FEMALE, non smoker, qualifying for the Best Health Category, and for face amounts of $500,000.

About Affordable Life Insurance Quotes

TERM LIFE INSURANCE – Use  our INSTANT LIFE INSURANCE QUOTE engine to obtain term life insurance quotes. You will be able to find term life insurance quotes for maturities of 10, 15, 20, 25 and 30 years and others. You can also find term life insurance policies with maturities up to a certain age, such as “To Age 65 Level”; “to Age 90 Level”; etc. For a more detailed definition of Term Life Insurance, click HERE.

GUARANTEED UNIVERSAL LIFE INSURANCE (GUL)– If you are looking for permanent life insurance, GUL is the way to go. Select “to Age 121 Level (No Lapse UL) and you will find permenent life insurance rates for very competitive rates.. You can also search for affordable GUL life insurance rates using the INSTANT LIFE INSURANCE QUOTE engine. You will life insurance protection until age 121 at an affordable price. “No Lapse”, by the way,  means exactly what it says, the coverage will not lapse provided that the premiums are paid as due. For details about what GUL is all about, click HERE.

RETURN-OF-PREMIUM TERM LIFE INSURANCE (ROP) – Return-of-Premium Term Life Insurance is term life insurance with a rider (at an added cost). What is does is return all premiums paid at the end of the term (10, 20, 30 years, etc.) if the insured is still alive at the end of the term and has paid all premiums as due and on time. Please, search for ROP quotes using our INSTANT LIFE INSURANCE QUOTE engine. For more details about ROP, click HERE.

Articles Related to Affordable Life Insurance Rates

We Can Help

Get in touch with us using our contact information as it appears below. One of our agents will help you find term life insurance quotes that best fits your personal and financial situation:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528






Return of Premium Term

Return of Premium Term Life Insurance

Term Life Insurance That Returns Premiums Paid?

Actually, YES! Some life insurance companies offer Term Life Insurance with a rider, at an added cost, that will return the premiums you paid if you outlive the specific term (10-15-20-30 years) you chose. It is called, Return of Premium Term Life Insurance, or ROP, for short. In other words, if you outlive the terms of the policy and have paid all the premiums due, your out-of-pocket premiums will be automatically returned to you. It is like, as they say, “having your cake and eat it too”. Interest is not paid on the returned premium, but they are returned tax free. Some exceptions do apply. For instance…

  • if you die during the level-premium period, since your beneficiaries will receive the death benefit amount.
  • if you take a loan and do not pay it back (the amount borrowed plus interest owed will be subtracted).
  • if you cancel your policy before the end of the level-premium period, you may not receive a portion back, depending on how long you have had the policy.

Attractive Equivalent Rate of Return (ERR)

ROP Term Life Insurance offers an attractive Equivalent Rate of Return (ERR). See the example that follows:

Return of Premium Term

As you can see in the above example, the insured had protection for 30 years and at the end of the 30 year period (since he outlived the term and made all the payments as due) he received back all premiums paid, which represented an annual return on his money of 3.83%. Not a bad deal! Also, as with all life insurance products, beneficiaries will generally receive a tax-free death benefit should the insured die before the 30 year period ends.

Downside of Return of Premium Term Life Insurance?

If you cancel the policy before the end of the level-premium period (30 years in the above example) you may, or may not, receive back a portion of the premiums paid, depending on how long you had the policy.

More information

Various life insurance companies offer Return of Premium Term Life Insurance. We can help you find out the one that best fits your personal and financial situation. Click on the link below for ROP consumer brochures of two well known carriers that offer ROP.

PruLife Return of Premium Term – by PRUDENTIAL FINANCIAL


Below are links to other Blog Posts that you may want to take a look at:

We can help!

The best time to buy life insurance is always TODAY. Tomorrow we will be older and possibly not as healthy as today. As age increases so do life insurance premiums. As health deteriorates, insurance premiums go up. We can help you find the life insurance policy the best fits your personal and financial needs. Contact us at:

  • Toll Free Number: (888) 950-8376
  • Office Number: (786) 353-2528
  • Click on CONTACT US


term life insurance

Now is the Best Time to Buy Life Insurance!

Now is the Best Time to Buy Life Insurance!

Yes, now is the best time to buy life insurance. If you are considering buying life insurance, it is most likely due to one of the following reasons, which are among the 5 top reasons why people buy life insurance:

  • Providing income for the family in the event of the death of the primary income earner.
  • Paying off debt.
  • Covering funeral expenses.
  • Passing wealth to heirs.
  • Being able to pay for a loved one’s education in the event of the death of an income earner.

Whatever the reason, NOW is the best time to buy life insurance.

Not only are premiums lower than in many years, but tomorrow we will be older and likely not as healthy as today, both factors that could have a negative impact on life insurance premiums.

So, if you are looking for life insurance…

Click on the link below and you will be able to (in the privacy of your home, with little agent intervention) find the Term Life Insurance, or Universal Life Insurance, or Return of Premium Life Insurance policy that best fits your personal and financial goals.

                                            CLICK HERE:  INSTANT LIFE INSURANCE QUOTES

If You Have Questions…

Toll Free Number: (888) 950-8376
Office Number: (786) 353-2528

affordable life insurance

4 Ways To Save On Life Insurance

4 Ways To Save On Life Insurance

If you are like a lot of people, you would like to find ways to save on life insurance. Here you will find 4 ways to save on life insurance.

Many americans, some say upwards of 50 million, have absolutely no life insurance protection. The reason is that most of them, about 85%, believe they can’t afford it. However, please, take a look at the information we are sharing below:

4 Money-Saving Tips:4 ways to save on life insurance

  1. Don’t Overbuy. If you need $500,000 in coverage, you would waste money purchasing $750,000.
  2. Stop Smoking. Kicking the habit could reduce your life insurance premium by 40%.
  3. Buy Term Life Insurance. A 40-year-old male can buy $250,000 of coverage for less than $18 per month.
  4. Shop Around. Rates vary, some times wildly, from carrier to carrier, and comparing quotes is the best way to find affordable rates.


What Could Be the Consequences of not Having Life Insurance?

  • You say you can’t afford life insurance right now. But how would your surviving spouse come up with an amount equivalent to the life insurance benefits when you are dead and gone?
  • Are you saying it takes all of your income to live now with nothing left to pay for life insurance? If so, what is your family going to do with little or no income after you are gone?
  • When you buy life insurance you are transferring the risk of your family not having your income, if you are not around to provide it, to the life insurance company. Without life insurance, it is your family (your spouse and your children) the one that is assuming that financial risk.
  • Click on A Legacy Of Love ( a video).

We Can Help!4 ways to save on life insurance

We can help you find the life insurance policy that best fits your personal and financial situation.

  • Click SAMPLE LIFE INSURANCE RATES and see that Term Life Insurance is in fact affordable.
  • Click DO YOUR OWN RESEARCH, enter your own data in our Quote Engine and find out the policies that will meet your personal and financial needs.
  • Call our Toll Free Number (888) 950-8376 and we will do the work for you.
  • Go to CONTACT US.

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term life insurance

Business Succession and Term Life Insurance

Business Succession and Term Life Insurance

A business owner’s greatest asset is most often his or her business. Ensuring a comfortable retirement means getting the most value out of the business that he or she can. Life insurance can play a key role to help make sure that the owner receives the full value of the business in the event of a business-purchase situation. One common situation is to use life insurance to secure the financing and payment of a closely held business buy-out.


John, age 45, has agreed to buy the business owned by his boss, Bill, who is retiring. John will purchase the business for $4 million over a 10-year period. While John is a good credit for the loan, Bill wants to make sure that if something were to happen to John, the terms of the deal would be met.


John secures life insurance in case he dies during the payment period. NEEDS: Enough life insurance to satisfy the purchase agreement, yet affordable.  A  Term Life Insurance policy maturing in 10 years with a $4 million face amount is an affordable way to resolve the situation. Bill can be named the beneficiary of the policy to the extent of the outstanding balance on the purchase price of the business, or the policy can be assigned to as collateral. An added benefit to the policy is that John can name his wife as beneficiary of any remaining death benefit.

Current Term Life Insurance Rates

The chart below shows current Term Life Insurance rates for different ages:

What To Do Next?

If you are a business owner in a situation similar to the one described above, we can help you find the insurance policy that best meets your personal and financial situation. Contact us as indicated below:

  • Call our Toll Free Number: (888) 950-8376
  • Call our Office Number: (786) 353-2528
  • Click HERE