At PCM Financial Group LLC, our mission is to care for your health and safeguard your future. We are a dedicated team focused on providing reliable solutions in health and life insurance, ensuring you get the right coverage to meet your needs.
Our Commitment to You:
Julian is a passionate professional with expertise in insurance, real estate, and taxes. With years of experience in these industries, he has helped numerous clients find personalized solutions that safeguard their health and financial future. His dedication to delivering quality service is reflected in every interaction. He always strives to find the best options—whether it’s purchasing a property, planning taxes, or selecting the right insurance coverage.
Julian is licensed in the following states: FL, GA, KS, MO, NC, OH, RI, SC, TN, TX, VA, WI.
Osmary combines her extensive experience in the retail sector with the insurance world, offering a unique, customer-focused perspective. Her approach centers on understanding each individual’s needs and finding the best solutions for their well-being and security. Her ability to build strong relationships with clients is essential to providing the support and confidence they need to make informed decisions.
Osmary is licensed in the following states: FL and TX.
Life insurance is a type of policy that provides financial support to a person’s beneficiaries in the event of their death. This coverage helps ensure that the insured’s loved ones are financially protected and can maintain their standard of living, even when the policyholder is no longer able to provide for them.
Several factors can influence the cost of a life insurance policy, including the insured’s age and health, the type and amount of coverage selected, and the policy’s duration. It is essential for individuals to carefully assess their life insurance needs and choose a policy that aligns with their financial goals and coverage requirements.
There are three main types of life insurance: term life insurance, permanent life insurance, and Indexed Universal Life (IUL).
Term life insurance is a type of policy that provides coverage for a specific period, such as 10, 20, or 30 years. If the insured passes away during the policy’s term, the beneficiary will receive a death benefit. However, if the insured outlives the policy’s term, the coverage will expire, and no payout will be made to the beneficiary.
Indexed Universal Life (IUL) Insurance is a type of life insurance policy that combines the death benefit protection of traditional life insurance with the potential for cash value accumulation. The cash value in an IUL policy is linked to the performance of one or more market indices, such as the S&P 500. However, the policy may include a cap or participation rate applied to the index performance. This means that while the policy’s cash value can grow based on the underlying index's performance, the actual growth may be limited by the policy’s cap or participation rate.
Whole Life Insurance, also known as Permanent Life Insurance, is a policy that provides coverage for the insured’s entire lifetime. This type of policy includes a savings component, referred to as cash value, which the policyholder can borrow against or withdraw from over time.
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