Your family's income and stability
Explore ways to help your family manage its obligations and maintain financial stability if you were no longer there.
I want to talk about my familyLife insurance that builds cash value
Protection today, and cash value that grows for tomorrow.
Indexed universal life insurance combines life insurance protection with the opportunity to build cash value over time, and many policies also include living benefits. Your cash value can grow based on how a market index performs, with a floor that helps protect you when the index goes down, and it can later support goals like retirement income. I'll explain how it works, in plain words, so you can decide if it makes sense for you.
NPN #18429595
No pressure and no obligation
Paola Sharleen ValdezLicensed Insurance Producer
Insurance producer licensed in Maryland · NPN #18429595
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Personal, bilingual personal, in your language
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You decide whether you want to move forward
Let's talk
Receive a free consultation
Share what matters most to you, and I or a member of my team will contact you to explain your options step by step.
No hassle · No cost · No pressure
For Maryland residents only.
Ask us to contact you
Choose phone or email, whichever is more convenient for you.
Your priorities
What do you want to help protect?
Choose what you want to protect and I'll explain, in plain words, the options that fit you.
The mortgage and household obligations
Learn how life insurance can be part of a family protection strategy related to household obligations.
I want to talk about my homeFinal expenses
Understand options designed to help beneficiaries with final expenses, subject to underwriting and the policy terms.
I want to talk about final expensesLong-term family goals
Talk about permanent protection, legacy and other long-term family goals, with a clear explanation of costs, limits and risks.
I want to talk about my goalsOptions we can talk about together
- Term life insurance
- Whole life insurance
- Indexed universal life insurance (IUL)
- Final expense life insurance
- Life insurance for mortgage protection
- Living benefits
- Indexed annuities
- College goals
- Family legacy
Important information about these options
Costs, benefits and availability depend on the policy, insurer, underwriting and individual circumstances. Non-guaranteed values may change. Indexed annuities are presented here for general information only; no annuity recommendations, comparisons, applications or transactions take place on this site.
What to expect
A simple conversation focused on you
Take the first step with only the information needed for us to follow up with you.
Share your priority
Select the topic that is closest to what you want to protect. If you are not sure, you can say that too.
We talk
I listen to your goals, clarify your questions, and help you understand what to consider before making a decision.
Choose your next step
You decide whether you want to continue. If you move forward, I'll walk you through the applicable process and documentation.
Common questions
Before you begin
How does the money inside the policy grow?
Each year the policy credits interest to your cash value based on how a market index performs, up to a cap set by the policy. The policy also has insurance costs that are deducted, so values are not guaranteed and vary by policy and insurer. I'll show you the numbers for your case using the insurer's official documentation.
What happens if the market goes down?
The policy has a floor, so a down year does not credit negative interest from the index. That doesn't mean the cash value can never go down, because the policy's insurance costs are still deducted.
What can I use that money for?
Over time it can support long-term goals such as retirement income or helping your family. Each policy has its own rules for accessing that value, and using it can reduce what your beneficiaries receive. We review it together before any decision.
Can I take money out of the policy tax-free?
Loans and withdrawals from a life insurance policy have their own tax treatment, and it depends on how the policy is structured and on keeping it in force. If a policy with an outstanding loan lapses or is surrendered, the gain can become taxable. I am not a tax advisor, so we review your case together and your tax professional confirms what applies to you.
Do I need to know what type of insurance I need?
No. Tell me what or who you want to protect and I'll explain your options step by step.
How much does life insurance cost?
It depends on your age, your health, the type of policy and the coverage you choose. There are options for different budgets; in our conversation I'll explain the factors and what to expect.
Do I need a medical exam?
Not always. Some policies can be issued without a medical exam, depending on the carrier, the product and your case. We'll review it together as we explore your options.
What is mortgage protection life insurance?
It's life insurance on a person, designed so your family can keep up with household payments if you're gone. It is not homeowners insurance, private mortgage insurance or government mortgage insurance, and New Priority Lending Corp. does not require it.
What are living benefits?
Benefits many policies include that let you access part of your insurance benefit while you're alive if you face a qualifying critical, chronic or terminal illness, according to the policy's terms. I'll explain what each option includes.
Does talking with you cost anything or commit me?
No. The conversation is free and pressure-free: requesting contact does not obligate you to buy any product or service.
Which states do you serve, and in which language?
Insurance inquiries: Maryland residents. I can help you in Spanish or English, whichever you prefer.