Life Insurance FAQ
Life insurance is about more than money — it’s about protecting the people you love. Madrinas Insurance helps you find the right life insurance policy, whether term or permanent, so your family stays financially secure no matter what the future holds.
Frequently Asked Questions (FAQ)
What types of life insurance are available?
Term life (for a set period) and permanent life (lifelong coverage with cash value).
How much life insurance do I need?
It depends on your income, debts, and family needs. We help calculate the right amount.
How much does life insurance cost?
Costs vary by age, health, and coverage amount. Many policies are surprisingly affordable.
Do I need a medical exam?
Some policies require exams, others are simplified issue with no exam.
Can life insurance help with mortgage protection?
Yes, life insurance can be structured to cover debts like mortgages.
Why choose Madrinas for life insurance?
We provide personalized guidance, bilingual support, and access to top carriers.
Frequently Asked Questions (FAQ)
What type of life insurance is best for me?
It depends on your goals. Term life is cost-effective for temporary needs, while whole life provides lifelong protection and savings.
How much coverage do I need?
A good rule is 10–12 times your annual income, but our advisors calculate based on your income, debts, and family’s needs.
Is life insurance expensive?
Not necessarily. Many plans are less than $1 per day, especially if you apply at a younger age.
Do I need a medical exam?
Some policies require it, but others offer simplified issue coverage with no exam.
Can life insurance help pay off a mortgage?
Yes, you can structure coverage to ensure your home is fully protected.
Why choose Madrinas?
We combine bilingual support, personalized advice, and access to top carriers so you get the right plan at the right price.
