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Life Insurance

Another essential part of retirement planning and financial protection for our loved ones. A life insurance needs assessment is essential for a good determination of the insurance needs, since insurance is based on needs.

Universal Life Insurance

Indexed universal life insurance functions like other universal life insurance policies...
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Whole Life Insurance

Whole Life Insurance offers a way to protect your family
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Term Life Insurance

Home ownership, childcare costs, financial help for aging parents and more.
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Final Expense Life Insurance

This life coverage can be used to help cover final expenses. More

Whole Life Insurance

With all the costs of modern life, building savings isnt always easy. Whole Life Insurance offers a way to protect your family and develop savings at the same time. This product offers permanent coverage, with guaranteed premiums and death benefits, and the potential for dividends and accumulation of cash value..

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Universal Life Insurance

Indexed universal life insurance functions like other universal life insurance policies by providing a death benefit and the potential for cash accumulation. It can protect loved ones, supplement retirement income and help leave money to children and grandchildren. The difference is in how the interest is calculated and when it is credited to your policy. Indexed universal life policies credit interest based in part on the upward movement of a major stock market index, subject to certain limitations. These limitations may include cap rates, participation rates and strategy expense charges. So when the market index does well, so do you. You also get:

  • The benefits of tax-deferral
  • A guaranteed minimum interest rate
  • A fixed rate crediting option

Contact Us for a free-of-charge individual consultation regarding this product. We can tailor to your specific needs.

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Term Life Insurance

Home ownership, childcare costs, financial help for aging parents todays workforce may be juggling multiple financial responsibilities. Our term life insurance, which can be matched to a period of time when you need it most, ensures that your familys needs will be met.

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Final Expense Life Insurance

Losing a family member is never easy, but our Final Expense coverage can help your family deal with your or with a parents passing. This life coverage can be used to help cover final expenses.

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  • 1017 Montana Ave. El Paso, TX 79902
  • Tel.-(915) 400-9280
  • Email: info@iniciausa.com

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