Licensed Broker & Senior Field Underwriter
Luis Benitez
Licencia NPN# 21280835
"No se trata de cuánta cobertura necesitas tú...
se trata de cuánta protección necesitará tu familia cuando tú no estés."
Explore Our Comprehensive Life Insurance Solutions
Comprehensive life insurance solutions tailored to secure your family's future.
Term Life Insurance Coverage
Term Life Insurance: Short-term, cost-effective coverage for a specified period, ideal for meeting immediate financial obligations at lower costs.
Cobertura Permanente de Vida Entera
Ofrece cobertura de por vida con un componente de ahorro que acumula valor en efectivo, brindando seguridad financiera continua y dejando un legado para tus beneficiarios.
Flexible Universal Life Plans
Offers adjustable premiums, savings growth, and flexible benefit options to adapt to your evolving financial needs and goals.
Indexed Universal Life ( IUL )
Un IUL (Index Universal Life) es un seguro de vida que, además de brindar protección financiera a tus seres queridos, te permite acumular valor en efectivo con potencial de crecimiento vinculado a índices del mercado, como el S&P 500, sin riesgo de pérdida por caídas del mercado.
Testimonials
Jasmine Richards
Switched to Benitez for their term life insurance and loved the flexibility of universal life options. Great prices and really adaptable plans!
Monica Chandler
Tried a few insurers before settling with Benitez. Their universal life insurance gives the flexibility I need, and the whole life plan offers solid, long-term security.
Thomas Krazinski
Handled my estate planning smoothly. Appreciated their straightforward approach—no fuss, just professional guidance and clear solutions. Sets a solid foundation for the future.
FAQs
Your Life Insurance Questions, Answered Clearly and Concisely
What factors should I consider when choosing a life insurance plan?
Consider your financial responsibilities, health, age, future needs, and desired coverage duration.
How do I know how much life insurance I need?
The amount of life insurance you need depends on factors such as your current income, debt, dependents, and your financial goals. We recommend a detailed consultation to evaluate your exact needs.
What is the difference between term and whole life insurance?
Term life insurance offers coverage for a set period, usually with lower premiums, suitable for short-term financial plans. Whole life insurance provides lifelong coverage and includes a savings component that builds cash value.
Can I change my life insurance plan if my financial situation changes?
Yes, our universal life insurance offers flexibility to adjust your premiums and benefits as your financial situation or goals change.
Are life insurance payouts taxable?
Generally, life insurance payouts are not subject to federal income tax; however, there may be other tax implications depending on your specific circumstances. We advise consulting with a tax professional.
How does estate planning work with life insurance?
Life insurance can be a crucial part of estate planning. It provides liquidity to your estate, can help pay estate taxes, and ensures that your beneficiaries have financial security after your passing. Our advisors can integrate your life insurance into your broader estate plans seamlessly.
