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Life Insurance for Who & What Matters to You

From the moment your child is born, you have aspirations for him or her as they make their way through life. Whatever their dreams, along their path you’ll be there to support and provide them with the security they need to soar. Yet life doesn’t always go as planned. That’s where Arroyo and a well-contemplated Life insurance solution come in – to help you address life’s uncertainties. Our goal is to help you keep your financial freedom intact and safeguard your family and their dreams. 

Providing Life Insurance Protection Aligned with Your Goals

Our professional staff will review your goals with you and then do the homework necessary among the various Life insurance products available so that you can choose the best plan to fit your needs. We will also conduct an annual policy review to ensure your existing Life insurance coverage continues to meet your ever-changing needs, and to identify the optimal coverage for you as different milestones are reached.

Depending on your needs, there are various Life insurance products from which to choose:

  • Term Life: This is a straight insurance policy with no investment component. You’re buying coverage that lasts for a set period of time provided you pay the monthly premium.
  • Whole Life: This policy combines Life coverage with an investment fund. You’re buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company. Cash value builds tax-deferred each year that you keep the policy, and you can borrow against the cash accumulation fund without being taxed. The amount you pay usually doesn’t change throughout the life of the policy.
  • Universal Life: A permanent insurance policy that combines Term insurance with a money market-type investment that pays a market rate of return. To get a higher return, these policies generally don’t guarantee a certain rate.

Arroyo is available to discuss in detail the various Life insurance policies available as well as review any existing policy you may already have in place.