Life Insurance Policies
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The associate was very helpful and very polite.
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- Martina Luna, Google Review
Protect the Ones Who Depend on You
Protection in case you Die Too Soon.
Protection in case you Become Ill
Cash accumulation and protection in case you Live Too Long.
Protect Your Family's Financial Future
Life insurance is an insurance product that covers and protects you and your loved ones when you are no longer there to provide for them.
In its simplest form, life insurance is a promise between an insurance company and you, the policy owner. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) you tell us to when the person whose life is being insured dies.
There are many types of life insurance. Term life insurance only provides a death benefit for a limited period of time. By contrast, permanent life insurance can provide a death benefit and the potential to build policy cash value that you can access during your lifetime using policy loans and withdrawals.
Life Insurance You Can Use Before You Die
Accelerated benefits riders are optional, no-additional cost riders that can allow you to access all or part of your death benefit while living if you experience a qualifying terminal, chronic, or critical illness or critical injury. Contact us to learn more.
Since the benefit is unrestricted, once you qualify, you can use the benefit for any reason. Benefits might be used for, but are not limited to:
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Household expenses
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Adult day care
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Home modifications
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Regular bills
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Nursing home care
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Quality of life expenditures
Testimony
Living Benefits Life Insurance
Living Benefits Life Insurance
Terminal Illness
Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months of certification of the illness by a physician.
Chronic Illness
A doctor has certified, within the past 12 months, that you are unable to perform two out of six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are cognitively impaired.
Critical Illness or Critical Injury
There are a total of 13 critical illnesses and 4 critical injuries covered under our living benefits. Click here to download our living benefits brochure for complete details.
Grow Your Vision
Learn About Preneed Funeral Insurance
There are some people who would like to make sure their loved ones are taken care of when they’re gone, but for whatever reason, they can’t obtain traditional life insurance. Fortunately, these people have an option: preneed funeral insurance. This type of insurance typically pays out much less than a typical life insurance policy, but it can help to defray the costs of your final expenses.
Trust Lara & Associates Insurance to help you obtain this crucial insurance. No one wants to imagine that their death will cause a financial burden for their loved ones. Plan ahead and pay as much of your final expenses as possible while you still can.
Lara & Associates Insurance will find a policy that protects you and your loved ones from future expenses while being affordable enough for you now. Rest assured, it will fit your needs and your budget.
Even if you think that life insurance is out of your reach, you can still take steps to protect your loved ones’ financial futures. Contact us today to discuss your options and for a free quote on preneed funeral insurance.
The future doesn’t come with guarantees, whole life insurance does
Life Insurance: Term or Perm?
​Living Benefits helped him in the fight against cancer
