Proudly serving Upland, Claremont, Rancho Cucamonga, and all of Southern California
Choosing life insurance and annuities for retirement investments can be a complicated task, but because of the wide variety of choices involved, they should be thoroughly researched. Life insurance is designed to protect your family and other people who may depend on you for financial support. One of the most popular questions for most when dealing with life insurance is about the life insurance amount needed. Next, of course, is what type of life insurance one should buy. The answers here are not difficult, but are personalized to every individual and family..
For life insurance, we represent some of the best insurance companies across the nation. Contact us today to arrange for a free evaluation of your insurance needs and to see whether you have adequate coverage to protect your health, life, home, family and assets. You might be paying too much month after month for coverage you don't need. Call 1-800-301-8818
today to schedule a free consultation.
At AIM there are three simple goals
In terms of life insurance, we provide both whole life and universal life policies with the kind of riders that our clients require such as:
- Disability Income Rider
- Waiver Of Premium Riders
- Children's Riders
- Accidental Death Riders
- and even Money Back Guarantees
Life and Mortgage Insurance plans can be obtained with or without a physical examination depending upon the underwriting of the specific carrier and the coverage that you select. Some of our carriers can even offer you a Disability Income Rider with proof of income or physical examination. Our goal is to provide our clients the lowest premiums available.
Mortgage Protection Insurance
Your house is one of the biggest investments you're ever likely to make. That’s why Mortgage Protection Insurance can be an important financial planning tool that insures your family will never be in jeopardy of losing its home. This insurance pays off your entire mortgage for your family if you were to pass away unexpectedly. Plans include Living Benefits which gives you early access to your death benefits if you are stricken with a chronic, critical, or terminal illness. (example: heart attack, cancer, stroke, become disabled) The company pays you a portion of your policy (in a lump sum) to help pay your bills, healthcare expenses, and/or mortgage payment each month.
Here at AIM INC., we want to help you protect that investment and your family’s financial future. You might already have some type of insurance, savings, or pension, but if you suffer a serious illness or passed away, will it be enough to meet the mortgage payment, oftentimes, your largest expense? We have many different plans that can be adjusted to give you the protection and peace of mind that you need.
DEVELOP YOUR PLAN
Although traditional long-term care policies remain the cornerstone of a great strategy to prepare for the likelihood of chronic illness striking your family, we have discovered a powerful new way to use life insurance to meet those needs or supplement existing coverage.
- Modern life insurance policies can now allow you to have access to large pools of money for long-term care without paying extra monthly premiums.
- Many policies actually have riders built in, at no additional cost, that will allow you to take some or most of the death benefit out to fund long-term care while you’re still alive.
- Many individuals have found that by placing a lump sum inside this kind of policy, they can turn $1 into $2, $3, $4 or even $5 of death benefit that can in turn be used for long term care when needed—we call this leverage, one of the key benefits of life insurance.
- Additionally, some policies can provide a little less leverage with the option of keeping all of your premium liquid in case you need it back.
Dealing with life insurance, and mortgage protection insurance can be a tricky matter so call now for a quote, and we'll have you covered.