Luis Cuevas
~Insurance and Retirement Planning~
Helping Clients Since 2016
Insurance and Retirement Planning
Explore Insurance & Retirement Options:
~Life Insurance with Living Benefits
~Medical & Dental Plans
~Retirement Savings with No Market Loss
Veteran Owned Agency
Bringing the same dedication I gave in the military; I work hard for my clients to find the Best Plans, with BIG Benefits, at the lowest cost to help protect your loved ones, & safeguard your income, assets, and retirement savings.
Leverage Living Benefits Life Insurance
Living Benefits Life Insurance provides a death benefit to protect your family, but also provides access to the death benefit if you have a serious illness or injury.
3 Options Available
Term Life Insurance - A lot of life insurance for the lowest cost
Whole Life Insurance - Permanent life insurance that will never cancel or increase in price
Cash Back Life Insurance - Outlive the policy, receive 100% of the premiums paid. Win~Win
Health PPO & Dental Insurance
Low Cost Private Health PPO Plan with low deductible and freedom to see any doctor.
Protect your smile with low cost dental insurance.
Cleanings, Exams, and Preventive Services are included for no additional cost.
Indexed Universal Life
An Indexed Universal Life is a life insurance plan which provides a death benefit and a savings benefit. The savings will earn interest based on the performance of a market index, without market loss.
Grows tax deferred and can be accessed tax free.
With many uses, such as:
➡️Protecting Retirement Savings & Supplementing Retirement
➡️Covering Mortgage Payments & Paying Off Mortgage Early
➡️Children Financial Security and Education/Training Savings Plan
Retirement Savings
When you add a Fixed Indexed Annuity to your retirement plan, you will have:
No Stock Market Loss
No Fees
Tax Deferred Growth
Tax-Free Access Option
Lifetime Income Option
Ideal for those who want retirement savings without market loss and without fees. Which means you keep 100% of the contributions and interest earned.
Do you have some questions or want more information on insurance or retirement options?
Give me a call or send me a message at 833-454-3535:
Quick Answers to Common Retirement & Insurance Questions
What factors determine the cost of my life insurance policy?
The cost is influenced by several factors including your age, health, lifestyle, the type of insurance, the amount of coverage, and the term length. Smokers or individuals with high-risk occupations or hobbies may face higher premiums.
How do I choose the right type of life insurance for my needs?
Consider your financial obligations, your health, and your financial goals. Term insurance is suitable for those needing coverage for a specific period, while whole or universal life might be better for long-term needs. Consulting with our advisors can help tailor the best policy for you.
How is there no market loss in the retirement plan?
Your money is not directly invested in the market. The company will credit your retirement savings only when there is a positive change in the market.
Should I really consider supplement medical insurance?
Yes, here is why. 1 in 3 people will be diagnosed with cancer. Every 40 seconds someone is experiencing a heart attack or stroke. 1 in 5 people will experience a disability longer than a year before retirement.
Top 2 reason for bankruptcy is Medical Bills and Income Loss.
Supplement Medical Insurance can provide the cash benefits to help you so you don't need to use savings or retirement.
Is life insurance through work enough?
While employer-provided life insurance is a valuable benefit, it may not be sufficient to meet all your financial security needs. It often offers a base level of coverage and may not be portable if you change jobs. Employer life insurance should be considered a supplement to your personal life insurance plans.
Is my health insurance enough?
Even the best health insurance plans will have out-of-pocket expenses. Supplement plans like Everyday Medical Plans, will give you cash benefits on top of your health insurance. These benefits have no restrictions.
Luis Cuevas
Contact
📞 833-454-3535
Licensed States: Florida, Texas, Tennessee,
"I have been a licensed agent since 2016. I enjoy educating my clients on insurance and retirement options available to safeguard their assets and protect their family.
I live in Florida with my beautiful wife. I enjoy scuba diving, reading, and watching my son play hockey."
