Life

Covid-19

The policy that provides coverage, EXCLUSIVELY for DIRECT COMPLICATIONS due to the Covid-19 disease. The next person diagnosed with COVID-19 could be you. Better to have insurance and not need it than to need it and not have it!

BENEFITS

1. Death Compensation

2. Daily Compensation for Hospitalization (From day # 4) (Maximum of 10 days per policy year)

3. Compensation for confinement in an Intensive Care Unit (Maximum once per year)

ELIGIBILITY

Any person who at the time of the effectiveness of the policy will be eligible: During the previous 24 months, have not been diagnosed with COVID-19;
Has not reached 76 years of age; During the previous 24 months you have not been diagnosed with Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex, or had one or more positive HIV test(s);
Is not bedridden, hospitalized, or in a Hospice Home; During the previous 24 months he has not been transplanted, nor is he under dialysis treatment;
During the previous 24 months, you have not been diagnosed with or required treatment for:

Cancer, Cardiovascular Diseases, Cerebrovascular Diseases, Asthma, Chronic Bronchitis, Pulmonary Emphysema, Chronic Obstructive Lung Disease, do not suffer or have suffered from Morbid Obesity.

Life Insurance
for under 70 year old

If you want protection and you are under 70 years old, this is the right solution. Leave only good memories and happy moments for your loved ones... without worries or uncertainty. Ease the financial burden on your loved ones with the comprehensive coverage of the Funeral Expenses Plan. No need for funeral pre-arrangements and free selection of funeral homes. This plan is an ordinary life policy.

Guaranteed Issue
Lifetime protection (until age 100)
Level Fixed Premium
Accumulation of Values
Eligibility from 0 to 70 years old
No medical exam required
Insurance amount increases by $50 per year, for the first 20 years
Premiums payable in 5, 10 years or throughout the life of the insured, you get a discount on the premium if you select the option to pay for 5 or 10 years
Insurance amount of $2,000 up to $15,000
Different types of payment

Ordinary Life Insurance

This is the solution to give your family peace of mind when you need it most.

Eligibility from 0 to age 90
Lifetime protection (until age 120)
Level Fixed Premium
Does not require medical exams
Insurance increase of $50.00 per year (first 20 years)
Accumulation of Values
7 options
Options from $2,000 to $25,000

Level Term Insurance

A level term insurance solution with a return of premium option. This insurance plan offers you the tranquility and peace that you need so much, since it provides you with protection for the stipulated time. The insured amount is guaranteed, since it remains fixed for the entire term of the policy. The insured will be entitled to a refund after having paid the policy for a period greater than 5 years.

30 year term

Eligibility from 20 to 55 years
Option to return premiums at the end of the term
Option to change to a new policy at the end of the term
Covers start at $25,000 conversion option
Available Optional Benefits

Universal Life Insurance

Why do I need Universal Life insurance? Because your loved ones are very important people to you, they need lifelong protection and in the long term it accumulates values that you can use for your retirement. It is a flexible Life Insurance that provides the beneficiary with an amount of money, tax-free, upon the death of the insured.

This important protection, in the event of the death of the insured, will allow your loved ones to enjoy a family income when they need it most.

Benefits:

Accumulation of cash value
Accumulation for retirement (cash value)
pay off mortgage
pay off car loan
Availability for coverage increases and reductions
Flexibility in the payment of premiums
Automatic sending of the annual statement
Pay any debt or remaining medical expenses and services that you needed before you left
pay funeral expenses
Bonus Benefit for Timely Premium Payments
Available Optional Benefits

Individual Term
Life Insurance

It combines benefits to provide an initial fixed payment at the time of death of the Insured and subsequent monthly payments until the end of the policy term, to help its beneficiaries continue with their lifestyle.

Combination of an initial fixed benefit, followed by monthly installments until the end of the policy term
Available terms of 10, 15, 20, and 25 years
Minimum required medical requirements
Eligibility up to age 60
Bonus for punctual premium payment
Level Premiums
Competitive rates
Attractive Attachments Available
Mantener el nivel de vida de sus dependientes
Responsible parents who want their dependent children to receive a monthly income for their support
Guarantee mortgage payments, personal or car loans
Only children who provide economic support to their parents
Among Others

Guaranteed Term
Life Insurance

Level Term Life Insurance with 10, 15, 20 and 30 year options.

Guaranteed premiums during the term of the policy
Eligibility from 20 to 70 years
Option to change to a new policy at the end of the term
Tax-free death benefit
Guaranteed renewals up to 95 years
Covers start at $25,000
Available Optional Benefits

Basic Cancer Insurance

The solution to insure against cancer for small pockets. Flexible plan that offers you the freedom to include your spouse, or consensual partner, or same-sex partner and/or children, according to your needs. This plan allows you to gain financial stability if a health crisis arises in your family.

Benefits are paid directly to the insured
Different plans available
Consensual couples are accepted
Covers Prevention Tests
Maintenance Benefit
Hospitalization Benefits
Surgery Benefit
Chemotherapy and Experimental Therapy Benefit
Special Benefits for Women
Comfortable rates without sacrificing benefits
A variety of optional covers available to fit your needs and budget
Optional accessories
Among other benefits

Comprehensive
Cancer Insurance

The most complete Cancer insurance in Puerto Rico considering that in most cases having a medical plan is not enough to cover the needs of a cancer diagnosis. Benefits are paid in addition to any other insurance, including medical plan. This plan provides coverage against cancer, including skin cancer and 40 illnesses such as:

Fibromyalgia
Hemorrhagic Dengue
Parkinson
Leptospirosis
Malaria
Lou–Gehring syndrome
Bird Flu (H5N1 Virus)
Swine Flu ( AH1N1 Virus)
Guillain Barre syndrome
Multiple sclerosis
Among others

Click Here to learn more!

Group Life,
Accidental Death and Dismemberment Insurance

This type of coverage is offered both to groups of employees of an employer and to associations with 10 or more members. Coverage amounts are determined based on annual salary or specific amounts determined by the group.

Optional Additions:

Accidental Death and Dismemberment
Accidental death in public transportation
Lifetime advance of principal sum
Vision loss, brain damage, coma, and paralysis (arms and legs)
Seat belt benefit Repatriation of the remains of the deceased Insured
Waiver of premium payments
Supplemental coverage for employees, spouses and dependent children

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Group Cancer and
Specific Diseases

This program offers special protection in the event that the Insured is diagnosed with Cancer or one of the specific diseases. To be eligible, you must be in good health and have never been diagnosed with Cancer or any of the specific covered diseases, and there is no age limit for basic coverage. In addition to the basic cover, seven (7) optional additions are offered

Convalescence at home
Intensive care
Disability compensation
Organ transplant
Medical treatment and compensation due to accident emergency
Single payment for the first diagnosis of Cancer
Accidental death, dismemberment and compensation for hospitalization from any cause

Advantages for the employer:

Helps employee retention
Promotes employee quality of life
It is an operational expense, for which it is tax deductible.
Affordable rates

Mortgage Insurance
for Accidental Death
or Disability

In the event that the Insured loses his life in an accident, this program provides protection to pay off the total balance of his mortgage. Now, if the Insured becomes disabled due to illness or accident, we will make the monthly payments on their mortgage.

Life Mortgage Insurance

This program offers the Insured a protection in case of death due to natural or accidental death, where the total balance owed on their mortgage will be paid. You can get it as an owner alone (“Single”) or as an owner and spouse (“Joint”).

Credit Life Insurance

This coverage is designed to protect the creditor and the debtor from the balance owed on personal loans and lines of credit. If the Insured dies, the Company will pay the total balance of the debt on the date of death and up to the maximum established in the policy. In addition, endorsements are provided for disability and unemployment benefits for the primary borrower.

Group Disability Insurance

short term disability:

If due to illness or accident the employee becomes short-term disabled, this program will pay for a maximum period of 26 weeks. The coverage can be non-occupational, complementing SINOT (Law 139) or at a rate of 24 hours, covering the employee inside and outside of work. The benefits will be paid according to the established waiting periods and while the employee is disabled, as established in the policy. This policy is for a group of ten (10) employees or more.

Long-term disability:

If due to illness or accident the employee is unable to work, this program will help replace their unearned income, after completing a 90 or 180 day elimination period, while under medical care.

This program allows a disabled employee to receive a disability benefit, even if he or she is not totally disabled. This policy is for a group of ten (10) employees or more.

SINOT

Law 139 of 1968, known as the Temporary Non-Occupational Disability Benefits Law (SINOT), provides for employees to be covered under a Private Plan with an insurance company, instead of the Government Plan.

Weekly Benefits: Weekly benefits are equal to 65% of the worker's regular weekly salary, with a minimum of $12.00 and a maximum of $113.00.
Maximum Benefit Period: Benefits will be paid for twenty-six (26) weeks for disability occurring in any consecutive fifty-two (52) calendar week period.
Waiting Period: You will have a seven (7) day waiting period, except if you are hospitalized within the first seven (7) days of disability, in which case benefits will be paid from the first (1) day of hospitalization.
Death Benefit: A $4,000.00 benefit will be paid as a result of death by accident or illness that would otherwise be compensable under Act 139.

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School Insurance

This program offers special protection against Accidents and Medical Expenses to students and teaching and non-teaching staff of public and private schools, universities and other educational institutions. The protection will be effective while they attend the educational institution during regular days and hours, participating or attending activities sponsored and supervised by authorized personnel, traveling from their residence to attend classes and back by the normal round trip route.

Group Insurance
against Accident and Medical Expenses

This policy covers you while you are participating in activities of the insured entity, duly approved and supervised by the authorized persons in charge of the group, such as:

Cultural
Educational
Social
Sports
Summer camps
Official events in general

It covers him during the journey while the Insured travels from his residence to the place where the activity is held, except for air transport. All participants/members of the group and staff in charge of the group are eligible.

Get a Quote:

Life

Covid-19

Life Insurance
for under 70 year old

Ordinary Life Insurance