Life Insurance coverage today insures less grief tomorrow.

Your Licensed Advisor

Losing a loved one is never easy—and the last thing any family should worry about is how to pay for funeral costs and everyday bills. That’s why I’m here: to help you plan ahead with care, empathy, and clarity.

As a licensed insurance agent, I specialize in Life Insurance, Final Expense and Legacy Protection. My mission is to provide affordable, personalized coverage that honors your wishes and relieves the financial burden on those you leave behind.

With no-pressure consultations, fast quotes, and a commitment to lifelong service, I’ll be here not just today—but for your family tomorrow, when they need support the most.

Proudly serving families with compassion, respect, and dedication.

Leonardo Zuniga
Licensed Insurance Agent

76%

Families unprepared

Life Insurance Coverage

Below we'll go over why life insurance, who's it for and how it works.

Simple, Affordable Protection

When it comes to Life Insurance—also known as term or permanent protection—such as whole life insurance, universal life insurance, indexed universal life insurance to mention a few designed to help cover end-of-life costs like funeral expenses, mortgage balances, medical bills, future living expenses or unpaid debts.

Who it's for?

It's most commonly used by parents or individuals who want to ease the financial burden on their loved ones. Many plans offer instant approvals, large cash payouts & lifelong benefits for those that qualify.

How It Works

• You choose a coverage amount (such as: $25K, $500K or $1M+)

• Pay an affordable monthly premium

• When you pass away, your beneficiary receives a tax-free payment to help cover funeral costs, immediate needs & future financial responsibilities.

Why It Matters

Funerals alone can cost between $8,000 to $12,000 or more. Life Insurance ensures your family won’t have to pay out of pocket or go into debt during an already difficult time.

No Medical Exam Needed

Many plans require only a few health questions depending on age & health status. Approval is quick—often instant or within 48–72 hours.

$8K - $12K

Average funeral & burial costs

Key Benefits of Life Insurance

Simple, temporary or lifelong protection that helps your loved ones go on living the life they're accustomed to without added stress or financial burden.

Affordable Monthly Premiums

Life insurance is designed to fit almost any budget, with low, fixed or increasing monthly payments you decide upfront.

Medical Exams Not Always Required

Many plans skip the medical exam entirely if you qualify—making it simple to apply, even if you've had previous health conditions.

Lifetime Coverage That Never Expires

Some plans stay in-effect as long as you keep paying your premiums, your coverage is guaranteed for life—no renewals, no surprises.

Fixed Rates That Never Go Up

Pick a plan where your premium is locked in from day one and will never increase, no matter how old you get or what health changes you experience.

Fast Payout to Your Beneficiary

Your loved ones receive a cash benefit—usually within days—to help cover funeral costs, other immediate expenses and avoid any longterm financial strain.

Use Funds However Needed

The death benefit can be used for much more than just funeral costs—it can also help with outstanding bills, credit card debt, mortgage payments, or anything your family needs to live stress free.

Why Work With Us?

Compassionate agents provide personalized, no-cost consultations to establish trust and authority.

Affordable Options Available

We work with a variety of well-known, trusted insurance companies to help you find the right plan at the best rate available.

Licensed, Compassionate Agent

You’ll speak with a real person who’s licensed, experienced, and genuinely here to help—no pressure, just honest guidance.

No-Cost, No-Pressure Consultations

Get expert advice at absolutely no cost to you, with zero obligation to buy—just straightforward answers to your questions.

Personalized Recommendations

Every person and family is different—so we help match you with coverage that fits your unique needs, health, and budget.

Fast, Secure Process

Our process is simple, confidential, and quick—most applicants can get approved instantly or protected within 48–72 hours.

We Make Complex Insurance Simple

Get expert advice at absolutely no cost to you, with zero obligation to buy—just straightforward answers to your questions.

Frequently Asked Questions

What is Life Insurance?

Life Insurance is a term or whole life policy designed to cover final expenses and to help protect your family from longterm financial hardships. It provides a tax-free payout to your loved ones to help ease any financial burden when you pass.

Can I still qualify if I have health conditions?

Yes. Even if you have or have had certain health issues, you can often still qualify for coverage. Guaranteed issue policies are available for those who may not qualify elsewhere.

How much coverage can I get?

Most Life policies offer coverage amounts between $25,000 and $1M+, depending on your age, health and eligibility. Many people choose $25,000 to $1000,000 to cover their funeral & immediate financial responsibilities.

How fast does the policy pay out?

Most Life insurance policies pay benefits within 24 to 72 hours of receiving the death certificate—helping your family handle urgent costs without delays.

Do I need a medical exam to qualify?

No medical exam is required for most plans if you qualify. Many policies offer coverage with just a few health questions.

What can the insurance money be used for?

The payout can be used for any purpose, including funeral expenses, medical bills, credit card debt, mortgage fees, or to help support surviving family members longterm future.

Will my rates go up over time?

It depends on your plan selection. You have the option to select a policy that needs to be renewed or one with a monthly premium that is locked in for life—these options are for you to choose.

How long does it take to get approved?

Many people are approved the same day or within 48–72 hours after submitting a short application—especially for people with minimal health issues.

What’s the difference between Term and Whole Life insurance?

Term life insurance provides coverage for a specific period, or "term," typically ranging from 10 to 30 years. Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire life, as long as premiums are paid.

Do I have to pay anything to get a quote or speak with someone?

Absolutely not. Quotes and consultations are 100% free with no pressure or obligation to enroll. We’re here to help you make informed decisions with confidence.

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