Protect Your Family's Financial Future
How life insurance can protect your loved ones.
As a local Farmers® agent in Albuquerque, NM, I understand the importance of providing financial support for your loved ones in the event of an unexpected loss. That's why I offer a variety of customizable life insurance options to fit your unique needs and goals.
Whether you're looking for term life, whole life, or universal life insurance, I can help you explore your options and select the coverage that provides the peace of mind you and your family deserve.
Contact me today at (505) 489-0379 to discuss your life insurance needs and take the first step towards protecting your family's future.
Why Life Insurance ?
Mortgage Debt
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Home protection goes beyond just an alarm system
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A home is a significant purchase and a mortgage is a large debt to pay
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Life insurance can help your family keep the home you worked hard for
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Contact me today to financially prepare for tomorrow
Family
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Raising a child involves significant financial commitments, including expenses for food, clothing, vacations, and education.
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Life insurance proceeds can help financially support those you leave behind so a personal tragedy doesn’t become a financial one.
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Let me help so you can evaluate your needs and choose a solution.
Future Income
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Identify who relies on your income now and in the future
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Secure your loved ones' financial future by applying for life insurance
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Provide financial support for your spouse, children, or loved ones with special needs
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Get help from me in determining the right type and amount of coverage for your needs.
Business
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Key employees are vital to a business's success but can also be a financial liability. Life insurance can protect your business from the loss of key employees.
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It can help fund the transfer of a business when an owner or partner passes away.
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As a business owner, I can help you plan for these important issues.
Life Insurance Options
The simplest type of life insurance, and usually the least expensive to start.
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Provides coverage as long as you pay the premiums, typically up to age 90.
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Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age.
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Can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes
Term Life
Whole life insurance is designed to last as long as you do.
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Coverage up to 121 years old as long as all required premiums are paid1.
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Premiums never increase, from the day your policy is issued to the day premiums are no longer required at age 100.
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Initial premiums are higher than term insurance, with funds accumulating within the policy as cash value.
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Whole life is the most conservative type of permanent life insurance, with guaranteed level premiums, guaranteed cash value accumulation, and a guaranteed death benefit2.
Whole Life
Like whole life, universal life insurance offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums3, and allows you to adjust the death benefit amount.
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You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there’s enough value in the account to cover the deductions.
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You can build more cash value by paying more premium.
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When times are tough, you can reduce or even pause premium payments as long as there’s enough cash value to cover policy costs.
