Secure Your Family’s Future
Life can be unpredictable. Invest in insurance that you can rely on to protect your family even after you are gone. Life insurance can provide benefits that keep your family financially healthy no matter what life sends your way.
When it comes to life insurance, you have many options. Let the 15-year experts at Saenz serve as your guide through the maze so you can implement coverage that provides peace of mind for you and a robust future for your family, even if the worst happens. You care about your family. Let us help you take care of their future.
Build Your Coverage, Comprehensively
Connect with custom, comprehensive life coverage with your trusted team for all things insurance. We leverage our 15+ years of experience to get you the best rates on the market – And to get you the type of coverage and the amount of coverage you need to feel secure. Here are some of the types of life insurance we can help you secure:
Whole or Ordinary Life
Whole or ordinary life insurance lasts until you die, no matter how far into the future that may be. It will provide your family with a death benefit, and allow you to build a savings account while the policy is active. The amount you pay every month will depend on how much coverage you want – And we can help you get the exact amount you need to feel secure.
Universal or Adjustable Life
A universal, or adjustable, life insurance policy gives you the options of increasing your death benefit under certain conditions. You can also build a savings account that earns interest and can be put toward your premium payments. Flexible and versatile, this is a coverage we would be excited to discuss with you!
Variable Life
A variable life insurance policy also includes a death benefit and a savings account. However, you can invest this savings account in order to grow the value of your policy. While more risky than other forms of life insurance, we can help you find ways to enjoy the benefits while minimizing your risk.
Variable Universal Life
Combine the best of variable and universal life insurance with this form of coverage. Invest like you would with variable life insurance, and discover the flexibility of universal life insurance. We look forward to customizing a policy for your life!
Frequently Asked Questions
Learn more about home insurance by exploring the answers to common questions, and then
contact us for additional information.
- What is life insurance, and why do I need it?
Life insurance provides a lump-sum payment, known as the death benefit, to your beneficiaries upon your death. This death benefit can be used to pay for funeral costs, replace lost income, pay off debts and secure your children’s education.
- What are the different types of life insurance policies available?
There are two primary types of life insurance: term life insurance, which provides coverage for a specific term or period, and permanent life insurance, which offers coverage for your entire life and may include a cash value component. Term life insurance is typically more affordable, while permanent life insurance provides lifelong coverage and an investment component.
- What affects my life insurance costs?
Many factors can affect your costs. At Saenz, we get you the best rates on the market so peace of mind and protection is within reach. Some things that might influence your premiums include the following: Your age, health, lifestyle, coverage amount, type of policy, and more.
- Who receives the benefits of my life insurance policy?
Whoever you designate. Beneficiaries could be anyone from your spouse or children to other loved ones.
- Can I change my life insurance policy?
Definitely. We would be happy to help you adjust your coverage amount, add riders, or make other changes as your life and family change.
- Is life insurance taxable, and do beneficiaries have to pay taxes on the death benefit?
Good news! Life insurance death benefits are usually not subject to income tax so your loved ones can receive the full benefit when you pass. However, some exceptions may apply, so let our experienced team help guide you.
Trusted Agency
By prioritizing personal connections and comprehensive coverage, we have provided the best protection at the best rates for thousands of clients. Hear from them yourself to discover why we are the trusted go-to insurance broker for customers across all ages and stages of life.