Protecting your loved one’s future with Life insurance
Whether you are single or married with children, or maybe you have a domestic partner or other relatives who may depend on you financially, having life insurance can be very important. Life insurance provides income, or what's known as a death benefit, to your chosen beneficiaries after you pass away. It can help give your loved ones access to income when they need it.
Understanding life insurance can help you plan for your family's long-term financial needs.
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policyowner passes away within the term of the policy.
Cost effective option for young growing families or individuals looking for more affordable coverage.
There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.
Premium returns can start as early as the second year.
Life insurance protection in place if needed and return of premium investments if not.
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policyowner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
Can act as a savings vehicle in which the insured may benefit from the upside potential of market gains.
Indexed accounts protect the insured from market decline with a guaranteed floor.
Policy illustrations provide the policyowner with historical data to assist with making informed decisions on which markets to invest in.
Cash value can grow tax-deferred.
Can be structured to include living benefits, allowing the policyowner to access the face amount of the policy to cover expenses related to critical, chronic, or terminal illness, as well as long-term care needs.
This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.
Up to $250,000 death benefit.
No medical exam or blood work is required.
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
A type of tax-deferred insurance product.
Can be structured to provide income for life, acting as another resource for retirement income.
Provides protection from market decline with a guaranteed floor.
A type of insurance policy that helps your family make your monthly mortgage payments if you – the policyholder and mortgage borrower – die before your mortgage is fully paid off.
We'll help you come up with the best path to get you from where you are right now, to where you want to be financially. We help with a detailed financial analysis, which includes your plans for the future goals and the strategies to achieve them.
At Leyva Financial, we understand the importance of planning for the future and ensuring your loved ones are taken care of during difficult times. Our Final Expense Service offers two tailored solutions to help ease the burden on your family:
Final Expense Insurance:
Funeral Plan:
Navigating Medicare can be confusing, but Leyva Financial is here to simplify the process for you. Our Medicare Service provides educational resources to help you understand all your options, including Medicare Part A, B, C, and D. We guide individuals approaching 65 on how to enroll seamlessly, and offer ongoing support for those already in Medicare. We personalize our recommendations to ensure you choose the right plan based on your health and lifestyle needs. Whether you’re looking for basic coverage or additional benefits like dental and vision, we’ll make sure you’re fully informed every step of the way.
Good health goes beyond just medical insurance, and at Leyva Financial, we offer standalone Dental and Vision Services or include them in your Medicare package. These services ensure that you and your family maintain your dental health and vision care without breaking the bank. From routine check-ups to specialized treatments, we’ll connect you with the best plans to cover what you need. Protect your smile and your vision by choosing the right plan for you.
As a small business owner, your employees are your greatest asset. Leyva Financial helps you offer Health Benefits that are competitive and affordable. We work with small business owners to design health benefit packages, including medical, dental, and vision coverage, that cater to the needs of your workforce. With our expert assistance, you’ll provide the security of health benefits that support your employees' well-being, enhancing loyalty and productivity within your company.
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626 364 7483 750 Terrado Plaza Suite #119 Covina CA, 91723 info@leyvafinancial.com