Your peace of mind and that of your family, secured. TaxPlus Insurance guides you to choose the perfect protection for your dreams and needs. Build a secure future for your loved ones, guaranteeing their well-being without worries. Gain peace of mind today, secure their tomorrow with confidence.
Life Insurance
Types of Life Insurance
Term Life Insurance
Your life changes, and so does your protection. With TaxPlus, you choose flexible term coverage that adapts to YOUR priorities, for exactly as long as you need it—from 10 to 35 years!
Perfect for protecting your loved ones when starting a major project or to provide them security in the face of uncertainty. You decide their future peace of mind.
Permanent Life Insurance
Enjoy peace of mind that lasts a lifetime. TaxPlus helps you establish this constant protection. You secure a fixed amount for your beneficiaries, offering them economic certainty without complications, forever. You provide them with lasting peace of mind.
Savings-Focused Life Insurance
Build a powerful financial legacy your way. TaxPlus guides you with savings life policies that secure your present and boost your future.
You accumulate capital with each contribution, available for your plans or emergencies, and most importantly, it grows completely tax-free!
Start shaping your financial independence today.
Who is not eligible for life insurance?
When health is a challenge, protecting them is key.
We have solutions focused on covering YOUR final expenses (funeral, medical services). We advise you to ensure this vital economic certainty for your beneficiaries, taking care of them even in those moments. Your foresight gives them security.
Coverage Period
This varies depending on the type of life insurance or policy the applicant has purchased
Term Life Insurance:
It has a minimum period of 10 years
and can be extended up to a maximum
of 35 years.
Permanent Life Insurance:
Coverage lasts as long as the client continues
to pay the premiums and
the policy remains active
Savings-Focused Life Insurance:
The coverage period depends on the age
the client chooses to receive
the saved and insured amount.
The maximum age limit that insurance companies cover is up to 120 years.
Coverage is active from day one.
As long as the policy is active (whether it’s term or permanent life insurance), you will be covered every day.
Minimum and Maximum Age to Acquire Life Insurance
Protection for your loved ones accompanies them throughout their lives. You can insure your children from birth if you already have an active policy.
From age 18, each person can obtain their own coverage, taking control. Remember, while there are adjustments after age 70 depending on health, securing your future young guarantees greater accessibility and better options.
This is your golden opportunity to cement their security. Request a free consultation!
Geographical Location
Travel with the certainty of always being protected. Your active life policy offers constant global support. At TaxPlus, we are with you in any unforeseen event; your coverage is valid wherever you are.
The security you provide your family is limitless. Explore the world with full confidence.
International Beneficiaries
Build a legacy that crosses borders. Designate your loved ones as global beneficiaries, regardless of their location. They will receive your direct economic support, in dollars, ensuring your help reaches them.
Your foresight breaks distances so your protection always arrives. The peace of mind of knowing they are covered has no limits.
Note: Due to regulations on dollar accounts, this option is not available for Cuba.
Application Process
Your path to ideal protection starts here. With TaxPlus, pre-approval is simple and discreet, designed for YOU. In our free consultation, we will ask about:
- Your well-being:: health history, pre-existing conditions, and current medication.
- Your family legacy: relevant medical history of your family.
- Lifestyle habits: whether you are a smoker or have had issues related to substance use.
- Financial capacity: income, credit history (bankruptcies, debts), and even driving record.
With this information, we can understand the risk and offer you the coverage that best fits your profile. Your peace of mind is our priority, from application to protection.
Process for Claiming the Benefit
Policyholder’s Death
In those difficult moments, your foresight becomes real support for your loved ones. With TaxPlus, the claim process is handled with empathy and efficiency for your beneficiaries. After legally confirming the death, we carefully review everything to validate the policy and beneficiaries. Then, we expedite payments, usually ready in 15 to 30 business days, often sooner! Our commitment is that your loved ones receive this support quickly and compassionately. We are by their side every step of the way.
Note: If the death occurs outside the country, validation by local authorities is required before proceeding, which may take additional time. Your plan remains their vital support.
Living Benefits
Life insurance policies not only offer protection for your loved ones in the event of your death; they also provide benefits to the policyholder while alive if diagnosed with critical, chronic, severe, or terminal illnesses:
Critical Illnesses
If you face a temporary critical medical condition, your life policy is your immediate support. Receive direct monthly payments to cover medical and daily expenses. This way, you focus only on YOUR recovery without financial stress.
Severe Illnesses
Facing a severe illness does not mean facing financial ruin. You will receive ongoing payments while your medical condition lasts, providing crucial economic relief. We conduct periodic reviews to assess your progress.
Once you recover your health and can return to normal life, payments cease, but your coverage remains intact, deducting only the amount already received. It’s intelligent financial support that adapts to your recovery, ensuring your well-being every step of the way.
Terminal Illness
Upon a terminal diagnosis, with less than 24 months of expected life, you are in control. Your policy allows you to access up to 80% of the insured amount. Use it as you decide: adapt your home, cover care, or whatever you need.
NOTE: By taking this payment, your policy ends, with no future benefit for beneficiaries. It’s your final decision for your well-being or theirs.
Accident
If an accident limits your ability in two daily tasks (dressing, walking, etc.), your life policy gives you financial support. It helps cover your expenses since we know working is difficult. Payments continue as long as the condition persists.
Your focus is to heal; your policy supports you.
Insurance Companies
Your situation is our key priority at TaxPlus. We work with various options, each with unique benefits, adapting to your immigration status.
Do you have a work permit and are healthy? There are policy options for you! Once approved, your coverage does not change due to status.
We open doors to the best offers. Finding YOUR perfect policy is our mission, no matter where you come from.
Why Do You Need Life Insurance?
Shielding the family well-being you build is a priority. Your life insurance is the foundation against unforeseen events, protecting them if you are not there due to accident, illness, or death.
Imagine: the sole provider in the household suffers an accident. How will they be supported? How will your children continue their studies without your income? YOUR policy is the bridge. It ensures the basics—health, education—are covered.
You ensure their lives continue with strength.
At TaxPlus Insurance, we review each client’s
case with all insurance companies to offer
you the best options according to your needs and budget.
As a client, you will have the freedom to choose the policy that best fits your
situation, so you can make the best decision with our support and guidance.
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