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- About Us -

After serving 9 years in the United States Air Force, I wanted to open a small business that would enrich my community and create more job opportunities. The Life Insurance industry has given me the privilege to provide a deeply important service to families all over the U.S. 

Life Insurance serves as a financial life-line for our client's family during their greatest time of need. The work we do is truly fulfilling. Our agents come from all walks of life, but they're all hardworking individuals driven with the passion for helping others.
 

Liz J. Ortiz
Agency Owner

"Why Do I Need Life Insurance"

Life insurance can give you lasting peace of mind in terms of the assurance that you have provided a legacy. That’s because the right coverage can offer a valuable combination of benefits, many guaranteed by the claims-paying ability of our A+ rated carriers —so that you and your loved ones know exactly what you’re getting.3 Of course, you have to make a long-term commitment to paying premiums and keeping the policy in force.  Some of the most common reasons for buying life insurance include: 

1. Guaranteed protection
If you have a family, a business, or others who depend on you, the life insurance benefit of a whole life policy acts as a financial safety net. When you die, your beneficiaries will receive a lump-sum payment that is guaranteed to be paid in full (provided all premiums are paid and there are no outstanding loans). It’s essential protection that you can count on to be there for your loved ones when needed.

 
2. Income replacement
Imagine what would happen to your family if the income you provide suddenly disappeared. With whole life insurance, you can help make sure that your loved ones have the money they need to help:
  • Pay the mortgage
  • Afford childcare, health care, or other services 
  • Cover tuition or other college expenses 
  • Eliminate household debt
  • Preserve a family business


3. Tax-free benefit
Your beneficiaries will be able to enjoy every penny you leave them. That’s because the benefit of a life insurance policy is generally passed along federal income tax free.



4. Guaranteed cash value growth

As you pay your premiums, your Whole Life policy builds cash value that is guaranteed to grow—tax deferred—and can help meet a variety of financial goals: 

  • Supplement retirement income 
  • Fund a child or grandchild’s education 
  • Pay off a mortgage 
  • Protect existing assets 
  • Establish an emergency fund 


5. Dividend potential

One of the benefits of purchasing whole life insurance is that you will be eligible to receive dividends. Although they are not guaranteed, when dividends are awarded, you can take them in cash, use them to offset your premiums, or use them to buy paid-up additional insurance that increases your coverage and cash value, use them to offset your premiums, or take them in cash.


6. Optional riders
There are several ways to tailor a whole life policy to meet your individual needs. For an additional cost, you can use riders to purchase additional protection without further underwriting, to pay your premiums if you become disabled, to use some of your face amount to pay for chronic illnesses, or to purchase coverage for your children. Your agent can help you decide if any of these riders are right for you.