• Easy Term

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    Advisor platform

    Olé Incentives – January to April 2025
  • Corporate office:

    7300 North Kendall Drive Suite 740 Miami, FL 33156

    Address:

    Edificio San Juan Medical Assoc, 5 Calle Reverendo Domingo Marrero Suite 4, Urb. Santa Rita, Rio Piedras, Puerto Rico 00925.

    Phone:

    +1 939-322-9543

    Email:

    Síguenos:

We offer you financial protection through term life

insurance that you can adjust according to your needs.

We offer you financial protection through a term life insurance that you can adjust according to your needs.

Easy term

Master term

Ideal protection with term life insurance with an insured amount between $100,000 and $1,000,000 USD. Apply without medical exams and get automatic approval or simplified evaluation with response in less than 24 hours, depending on the case..

  • Family support: Ensures the economic well-being of your loved ones, covering everything from daily expenses to your children’s education, in case you are ever gone.
  • Solutions for companies: Use your insurance as a Key Man and Partner Insurance, designed to protect the future of your business.
  • Financial stability: Enjoy a fixed base premium with no unexpected increases, allowing you to plan your long-term finances with complete confidence.

Term life insurance with insured amounts between $1,100,000 and $10,000,000 USD. Ideal for planning inheritances, protecting your legacy from unexpected costs and ensuring a secure future for your loved ones.

  • Peace of mind for your family: Ensure that they can maintain their lifestyle and meet large financial commitments such as mortgages, investments and your children’s college education.
  • Solutions for companies: Access advanced coverage such as Key Man and Partner Insurance, protecting the strategic value of your business.
  • Preserve your assets: Avoid unexpected liquidations and allow your loved ones to keep their assets, ensuring stability in difficult times.

Easy term

Ideal protection with term life insurance with an insured amount between $100,000 and $1,000,000 USD. Apply without medical exams and get automatic approval or simplified evaluation with response in less than 24 hours, depending on the case..

  • Family support: Ensures the economic well-being of your loved ones, covering everything from daily expenses to your children’s education, in case you are ever gone.
  • Solutions for companies: Use your insurance as a Key Man and Partner Insurance, designed to protect the future of your business.
  • Financial stability: Enjoy a fixed base premium with no unexpected increases, allowing you to plan your long-term finances with complete confidence.

Master term

Term life insurance with insured amounts between $1,100,000 and $10,000,000 USD. Ideal for planning inheritances, protecting your legacy from unexpected costs and ensuring a secure future for your loved ones.

  • Peace of mind for your family: Ensure that they can maintain their lifestyle and meet large financial commitments such as mortgages, investments and your children’s college education.
  • Solutions for companies: Access advanced coverage such as Key Man and Partner Insurance, protecting the strategic value of your business.
  • Preserve your assets: Avoid unexpected liquidations and allow your loved ones to keep their assets, ensuring stability in difficult times.

Savings benefit

Health benefit

Return of premium

Plan with confidence while saving what you pay. Receive the base premium paid over 15 years, or the base premium plus the the return of premium cost over 20 or 30 years. At the end of the contracted term, you will receive your savings in USD to allocate to whatever you need most.

  • Plan for the future: Use your savings for your children’s education, retirement, or any plans you have in mind.

  • Save in USD: Get your accumulated amount in dollars to ensure stability and achieve your goals.

  • Term flexibility: Choose the term that suits your objectives and enjoy reliable financial backing.

Cash advance for terminal illness

Receive an advance of up to 50% of your life insurance sum in the event of a terminal illness diagnosis, with a maximum of USD 250,000 for Easy Term and USD 500,000 for Master Term.

  • Flexibility in Use: Use the advance to cover medical expenses, deductibles, treatments, or any other personal needs.
  • Protection in USD: Solid financial support designed to take care of your health and well-being.
  • Included at No Additional Cost: This benefit is designed to support you in the most challenging moments without generating extra charges.

Disability benefit

Income Protection: Total Permanent and Temporary Disability Due to Illness and Accident

Protect your income against illnesses or accidents with comprehensive coverage. If you suffer an accident or illness that causes total temporary disability, you will start receiving a monthly benefit after the first month. In case of total permanent disability due to illness, you will receive the monthly benefit after three months. Additionally, in case of total and permanent disability, you will receive the contracted insured amount after 12 months, whether due to accident or illness.

  • Liquidity in case of disability: Protect your income and meet your medical and daily expenses without worries.
  • Economic support for your recovery: Ensure that you and your family can live comfortably while you recover.
  • Adaptive protection: Financial solutions for independent professionals and employees.

Income Protection: Total Permanent Disability Due to Illness and Accident

Protect your income and ensure a stable future for you and your loved ones. Receive the insured amount contracted after 12 months of total and permanent disability due to accident or illness.

  • Flexible use of insured amount: Allocate the received amount to cover medical care, medical insurance deductibles, or any other needs.
  • Adaptive contracting: Financial protection designed for both independent professionals and employees.
  • Economic stability: Financial support that provides liquidity for you and your family in uncertain times.

Cash For Accidental Loss Or Death

Receive up to 100% of the insured amount in case of disability due to organic losses caused by accident and increase protection for your loved ones in the event of accidental death, ensuring your family’s financial support in any eventuality.

  • Personalized choice: Select additional insured amount for greater peace of mind and protection for you and your family in case of accident.
  • Comprehensive coverage: Receive the insured amount in USD to cover medical expenses, deductibles, home adaptations, or other needs arising from disability due to accident.
  • Additional protection: Ensure the well-being of your loved ones with additional insured amount, securing their financial stability in difficult times.

Savings benefit

Return of premium

Plan with confidence while saving what you pay. Receive the base premium paid over 15 years, or the base premium plus the the return of premium cost over 20 or 30 years. At the end of the contracted term, you will receive your savings in USD to allocate to whatever you need most.

  • Plan for the future: Use your savings for your children’s education, retirement, or any plans you have in mind.

  • Save in USD: Get your accumulated amount in dollars to ensure stability and achieve your goals.

  • Term flexibility: Choose the term that suits your objectives and enjoy reliable financial backing.

Health benefit

Cash advance for terminal illness

Receive an advance of up to 50% of your life insurance sum in the event of a terminal illness diagnosis, with a maximum of USD 250,000 for Easy Term and USD 500,000 for Master Term.

  • Flexibility in Use: Use the advance to cover medical expenses, deductibles, treatments, or any other personal needs.
  • Protection in USD: Solid financial support designed to take care of your health and well-being.
  • Included at No Additional Cost: This benefit is designed to support you in the most challenging moments without generating extra charges.

Disability benefit

Income Protection: Total Permanent and Temporary Disability Due to Illness and Accident

Protect your income against illnesses or accidents with comprehensive coverage. If you suffer an accident or illness that causes total temporary disability, you will start receiving a monthly benefit after the first month. In case of total permanent disability due to illness, you will receive the monthly benefit after three months. Additionally, in case of total and permanent disability, you will receive the contracted insured amount after 12 months, whether due to accident or illness.

  • Liquidity in case of disability: Protect your income and meet your medical and daily expenses without worries.
  • Economic support for your recovery: Ensure that you and your family can live comfortably while you recover.
  • Adaptive protection: Financial solutions for independent professionals and employees.

Income Protection: Total Permanent Disability Due to Illness and Accident

Protect your income and ensure a stable future for you and your loved ones. Receive the insured amount contracted after 12 months of total and permanent disability due to accident or illness.

  • Flexible use of insured amount: Allocate the received amount to cover medical care, medical insurance deductibles, or any other needs.
  • Adaptive contracting: Financial protection designed for both independent professionals and employees.
  • Economic stability: Financial support that provides liquidity for you and your family in uncertain times.

Cash For Accidental Loss Or Death

Receive up to 100% of the insured amount in case of disability due to organic losses caused by accident and increase protection for your loved ones in the event of accidental death, ensuring your family’s financial support in any eventuality.

  • Personalized choice: Select additional insured amount for greater peace of mind and protection for you and your family in case of accident.
  • Comprehensive coverage: Receive the insured amount in USD to cover medical expenses, deductibles, home adaptations, or other needs arising from disability due to accident.
  • Additional protection: Ensure the well-being of your loved ones with additional insured amount, securing their financial stability in difficult times.

We have different term options depending on the contracting age:

Hiring ages

Term 10 years Term 15 years Term 20 years Term 30 years
18 - 75 years
18 - 70 years
18 - 65 years
18 - 55 years
  • The contracting age is issued at the age of your last birthday at the time of contracting.
  • The minimum age to contract term life insurance is 18 years, and the maximum is 75 years.

Easy term

Master term

Ideal protection with term life insurance with an insured amount between $100,000 and $1,000,000 USD. Apply without medical exams and get automatic approval or simplified evaluation with response in less than 24 hours, depending on the case..

  • Family support: Ensures the economic well-being of your loved ones, covering everything from daily expenses to your children’s education, in case you are ever gone.
  • Solutions for companies: Use your insurance as a Key Man and Partner Insurance, designed to protect the future of your business.
  • Financial stability: Enjoy a fixed base premium with no unexpected increases, allowing you to plan your long-term finances with complete confidence.

Term life insurance with insured amounts between $1,100,000 and $10,000,000 USD. Ideal for planning inheritances, protecting your legacy from unexpected costs and ensuring a secure future for your loved ones.

  • Peace of mind for your family: Ensure that they can maintain their lifestyle and meet large financial commitments such as mortgages, investments and your children’s college education.
  • Solutions for companies: Access advanced coverage such as Key Man and Partner Insurance, protecting the strategic value of your business.
  • Preserve your assets: Avoid unexpected liquidations and allow your loved ones to keep their assets, ensuring stability in difficult times.

Easy term

Ideal protection with term life insurance with an insured amount between $100,000 and $1,000,000 USD. Apply without medical exams and get automatic approval or simplified evaluation with response in less than 24 hours, depending on the case..

  • Family support: Ensures the economic well-being of your loved ones, covering everything from daily expenses to your children’s education, in case you are ever gone.
  • Solutions for companies: Use your insurance as a Key Man and Partner Insurance, designed to protect the future of your business.
  • Financial stability: Enjoy a fixed base premium with no unexpected increases, allowing you to plan your long-term finances with complete confidence.

Master term

Term life insurance with insured amounts between $1,100,000 and $10,000,000 USD. Ideal for planning inheritances, protecting your legacy from unexpected costs and ensuring a secure future for your loved ones.

  • Peace of mind for your family: Ensure that they can maintain their lifestyle and meet large financial commitments such as mortgages, investments and your children’s college education.
  • Solutions for companies: Access advanced coverage such as Key Man and Partner Insurance, protecting the strategic value of your business.
  • Preserve your assets: Avoid unexpected liquidations and allow your loved ones to keep their assets, ensuring stability in difficult times.

Savings benefit

Health benefit

Return of premium

Plan with confidence while saving what you pay. Receive the base premium paid over 15 years, or the base premium plus the the return of premium cost over 20 or 30 years. At the end of the contracted term, you will receive your savings in USD to allocate to whatever you need most.

  • Plan for the future: Use your savings for your children’s education, retirement, or any plans you have in mind.

  • Save in USD: Get your accumulated amount in dollars to ensure stability and achieve your goals.

  • Term flexibility: Choose the term that suits your objectives and enjoy reliable financial backing.

Cash advance for terminal illness

Receive an advance of up to 50% of your life insurance sum in the event of a terminal illness diagnosis, with a maximum of USD 250,000 for Easy Term and USD 500,000 for Master Term.

  • Flexibility in Use: Use the advance to cover medical expenses, deductibles, treatments, or any other personal needs.
  • Protection in USD: Solid financial support designed to take care of your health and well-being.
  • Included at No Additional Cost: This benefit is designed to support you in the most challenging moments without generating extra charges.

Disability benefit

Income Protection: Total Permanent and Temporary Disability Due to Illness and Accident

Protect your income against illnesses or accidents with comprehensive coverage. If you suffer an accident or illness that causes total temporary disability, you will start receiving a monthly benefit after the first month. In case of total permanent disability due to illness, you will receive the monthly benefit after three months. Additionally, in case of total and permanent disability, you will receive the contracted insured amount after 12 months, whether due to accident or illness.

  • Liquidity in case of disability: Protect your income and meet your medical and daily expenses without worries.
  • Economic support for your recovery: Ensure that you and your family can live comfortably while you recover.
  • Adaptive protection: Financial solutions for independent professionals and employees.

Income Protection: Total Permanent Disability Due to Illness and Accident

Protect your income and ensure a stable future for you and your loved ones. Receive the insured amount contracted after 12 months of total and permanent disability due to accident or illness.

  • Flexible use of insured amount: Allocate the received amount to cover medical care, medical insurance deductibles, or any other needs.
  • Adaptive contracting: Financial protection designed for both independent professionals and employees.
  • Economic stability: Financial support that provides liquidity for you and your family in uncertain times.

Cash For Accidental Loss Or Death

Receive up to 100% of the insured amount in case of disability due to organic losses caused by accident and increase protection for your loved ones in the event of accidental death, ensuring your family’s financial support in any eventuality.

  • Personalized choice: Select additional insured amount for greater peace of mind and protection for you and your family in case of accident.
  • Comprehensive coverage: Receive the insured amount in USD to cover medical expenses, deductibles, home adaptations, or other needs arising from disability due to accident.
  • Additional protection: Ensure the well-being of your loved ones with additional insured amount, securing their financial stability in difficult times.

Savings benefit

Return of premium

Plan with confidence while saving what you pay. Receive the base premium paid over 15 years, or the base premium plus the the return of premium cost over 20 or 30 years. At the end of the contracted term, you will receive your savings in USD to allocate to whatever you need most.

  • Plan for the future: Use your savings for your children’s education, retirement, or any plans you have in mind.

  • Save in USD: Get your accumulated amount in dollars to ensure stability and achieve your goals.

  • Term flexibility: Choose the term that suits your objectives and enjoy reliable financial backing.

Health benefit

Cash advance for terminal illness

Receive an advance of up to 50% of your life insurance sum in the event of a terminal illness diagnosis, with a maximum of USD 250,000 for Easy Term and USD 500,000 for Master Term.

  • Flexibility in Use: Use the advance to cover medical expenses, deductibles, treatments, or any other personal needs.
  • Protection in USD: Solid financial support designed to take care of your health and well-being.
  • Included at No Additional Cost: This benefit is designed to support you in the most challenging moments without generating extra charges.

Disability benefit

Income Protection: Total Permanent and Temporary Disability Due to Illness and Accident

Protect your income against illnesses or accidents with comprehensive coverage. If you suffer an accident or illness that causes total temporary disability, you will start receiving a monthly benefit after the first month. In case of total permanent disability due to illness, you will receive the monthly benefit after three months. Additionally, in case of total and permanent disability, you will receive the contracted insured amount after 12 months, whether due to accident or illness.

  • Liquidity in case of disability: Protect your income and meet your medical and daily expenses without worries.
  • Economic support for your recovery: Ensure that you and your family can live comfortably while you recover.
  • Adaptive protection: Financial solutions for independent professionals and employees.

Income Protection: Total Permanent Disability Due to Illness and Accident

Protect your income and ensure a stable future for you and your loved ones. Receive the insured amount contracted after 12 months of total and permanent disability due to accident or illness.

  • Flexible use of insured amount: Allocate the received amount to cover medical care, medical insurance deductibles, or any other needs.
  • Adaptive contracting: Financial protection designed for both independent professionals and employees.
  • Economic stability: Financial support that provides liquidity for you and your family in uncertain times.

Cash For Accidental Loss Or Death

Receive up to 100% of the insured amount in case of disability due to organic losses caused by accident and increase protection for your loved ones in the event of accidental death, ensuring your family’s financial support in any eventuality.

  • Personalized choice: Select additional insured amount for greater peace of mind and protection for you and your family in case of accident.
  • Comprehensive coverage: Receive the insured amount in USD to cover medical expenses, deductibles, home adaptations, or other needs arising from disability due to accident.
  • Additional protection: Ensure the well-being of your loved ones with additional insured amount, securing their financial stability in difficult times.

We have different term options depending on the contracting age:

Hiring ages

Term 10 years Term 15 years Term 20 years Term 30 years
18 - 75 years
18 - 70 years
18 - 65 years
18 - 55 years
  • The contracting age is issued at the age of your last birthday at the time of contracting.
  • The minimum age to contract term life insurance is 18 years, and the maximum is 75 years.

Easy term

Master term

Ideal protection with term life insurance with an insured amount between $100,000 and $1,000,000 USD. Apply without medical exams and get automatic approval or simplified evaluation with response in less than 24 hours, depending on the case..

  • Family support: Ensures the economic well-being of your loved ones, covering everything from daily expenses to your children’s education, in case you are ever gone.
  • Solutions for companies: Use your insurance as a Key Man and Partner Insurance, designed to protect the future of your business.
  • Financial stability: Enjoy a fixed base premium with no unexpected increases, allowing you to plan your long-term finances with complete confidence.

Term life insurance with insured amounts between $1,100,000 and $10,000,000 USD. Ideal for planning inheritances, protecting your legacy from unexpected costs and ensuring a secure future for your loved ones.

  • Peace of mind for your family: Ensure that they can maintain their lifestyle and meet large financial commitments such as mortgages, investments and your children’s college education.
  • Solutions for companies: Access advanced coverage such as Key Man and Partner Insurance, protecting the strategic value of your business.
  • Preserve your assets: Avoid unexpected liquidations and allow your loved ones to keep their assets, ensuring stability in difficult times.

Easy term

Ideal protection with term life insurance with an insured amount between $100,000 and $1,000,000 USD. Apply without medical exams and get automatic approval or simplified evaluation with response in less than 24 hours, depending on the case..

  • Family support: Ensures the economic well-being of your loved ones, covering everything from daily expenses to your children’s education, in case you are ever gone.
  • Solutions for companies: Use your insurance as a Key Man and Partner Insurance, designed to protect the future of your business.
  • Financial stability: Enjoy a fixed base premium with no unexpected increases, allowing you to plan your long-term finances with complete confidence.

Master term

Term life insurance with insured amounts between $1,100,000 and $10,000,000 USD. Ideal for planning inheritances, protecting your legacy from unexpected costs and ensuring a secure future for your loved ones.

  • Peace of mind for your family: Ensure that they can maintain their lifestyle and meet large financial commitments such as mortgages, investments and your children’s college education.
  • Solutions for companies: Access advanced coverage such as Key Man and Partner Insurance, protecting the strategic value of your business.
  • Preserve your assets: Avoid unexpected liquidations and allow your loved ones to keep their assets, ensuring stability in difficult times.

Savings benefit

Health benefit

Return of premium

Plan with confidence while saving what you pay. Receive the base premium paid over 15 years, or the base premium plus the the return of premium cost over 20 or 30 years. At the end of the contracted term, you will receive your savings in USD to allocate to whatever you need most.

  • Plan for the future: Use your savings for your children’s education, retirement, or any plans you have in mind.

  • Save in USD: Get your accumulated amount in dollars to ensure stability and achieve your goals.

  • Term flexibility: Choose the term that suits your objectives and enjoy reliable financial backing.

Cash advance for terminal illness

Receive an advance of up to 50% of your life insurance sum in the event of a terminal illness diagnosis, with a maximum of USD 250,000 for Easy Term and USD 500,000 for Master Term.

  • Flexibility in Use: Use the advance to cover medical expenses, deductibles, treatments, or any other personal needs.
  • Protection in USD: Solid financial support designed to take care of your health and well-being.
  • Included at No Additional Cost: This benefit is designed to support you in the most challenging moments without generating extra charges.

Disability benefit

Income Protection: Total Permanent and Temporary Disability Due to Illness and Accident

Protect your income against illnesses or accidents with comprehensive coverage. If you suffer an accident or illness that causes total temporary disability, you will start receiving a monthly benefit after the first month. In case of total permanent disability due to illness, you will receive the monthly benefit after three months. Additionally, in case of total and permanent disability, you will receive the contracted insured amount after 12 months, whether due to accident or illness.

  • Liquidity in case of disability: Protect your income and meet your medical and daily expenses without worries.
  • Economic support for your recovery: Ensure that you and your family can live comfortably while you recover.
  • Adaptive protection: Financial solutions for independent professionals and employees.

Income Protection: Total Permanent Disability Due to Illness and Accident

Protect your income and ensure a stable future for you and your loved ones. Receive the insured amount contracted after 12 months of total and permanent disability due to accident or illness.

  • Flexible use of insured amount: Allocate the received amount to cover medical care, medical insurance deductibles, or any other needs.
  • Adaptive contracting: Financial protection designed for both independent professionals and employees.
  • Economic stability: Financial support that provides liquidity for you and your family in uncertain times.

Cash For Accidental Loss Or Death

Receive up to 100% of the insured amount in case of disability due to organic losses caused by accident and increase protection for your loved ones in the event of accidental death, ensuring your family’s financial support in any eventuality.

  • Personalized choice: Select additional insured amount for greater peace of mind and protection for you and your family in case of accident.
  • Comprehensive coverage: Receive the insured amount in USD to cover medical expenses, deductibles, home adaptations, or other needs arising from disability due to accident.
  • Additional protection: Ensure the well-being of your loved ones with additional insured amount, securing their financial stability in difficult times.

Savings benefit

Return of premium

Plan with confidence while saving what you pay. Receive the base premium paid over 15 years, or the base premium plus the the return of premium cost over 20 or 30 years. At the end of the contracted term, you will receive your savings in USD to allocate to whatever you need most.

  • Plan for the future: Use your savings for your children’s education, retirement, or any plans you have in mind.

  • Save in USD: Get your accumulated amount in dollars to ensure stability and achieve your goals.

  • Term flexibility: Choose the term that suits your objectives and enjoy reliable financial backing.

Health benefit

Cash advance for terminal illness

Receive an advance of up to 50% of your life insurance sum in the event of a terminal illness diagnosis, with a maximum of USD 250,000 for Easy Term and USD 500,000 for Master Term.

  • Flexibility in Use: Use the advance to cover medical expenses, deductibles, treatments, or any other personal needs.
  • Protection in USD: Solid financial support designed to take care of your health and well-being.
  • Included at No Additional Cost: This benefit is designed to support you in the most challenging moments without generating extra charges.

Disability benefit

Income Protection: Total Permanent and Temporary Disability Due to Illness and Accident

Protect your income against illnesses or accidents with comprehensive coverage. If you suffer an accident or illness that causes total temporary disability, you will start receiving a monthly benefit after the first month. In case of total permanent disability due to illness, you will receive the monthly benefit after three months. Additionally, in case of total and permanent disability, you will receive the contracted insured amount after 12 months, whether due to accident or illness.

  • Liquidity in case of disability: Protect your income and meet your medical and daily expenses without worries.
  • Economic support for your recovery: Ensure that you and your family can live comfortably while you recover.
  • Adaptive protection: Financial solutions for independent professionals and employees.

Income Protection: Total Permanent Disability Due to Illness and Accident

Protect your income and ensure a stable future for you and your loved ones. Receive the insured amount contracted after 12 months of total and permanent disability due to accident or illness.

  • Flexible use of insured amount: Allocate the received amount to cover medical care, medical insurance deductibles, or any other needs.
  • Adaptive contracting: Financial protection designed for both independent professionals and employees.
  • Economic stability: Financial support that provides liquidity for you and your family in uncertain times.

Cash For Accidental Loss Or Death

Receive up to 100% of the insured amount in case of disability due to organic losses caused by accident and increase protection for your loved ones in the event of accidental death, ensuring your family’s financial support in any eventuality.

  • Personalized choice: Select additional insured amount for greater peace of mind and protection for you and your family in case of accident.
  • Comprehensive coverage: Receive the insured amount in USD to cover medical expenses, deductibles, home adaptations, or other needs arising from disability due to accident.
  • Additional protection: Ensure the well-being of your loved ones with additional insured amount, securing their financial stability in difficult times.

We have different term options depending on the contracting age:

Hiring ages

Term 10 years Term 15 years Term 20 years Term 30 years
18 - 75 years
18 - 70 years
18 - 65 years
18 - 55 years
  • The contracting age is issued at the age of your last birthday at the time of contracting.
  • The minimum age to contract term life insurance is 18 years, and the maximum is 75 years.

Not sure which coverage to choose?

Find your ideal coverage here

Not sure which coverage to choose?

Find your ideal coverage here