Protection for your home
A life insurance policy helps protect your home, family and income in case of premature death or the financial devastation of a terminal, chronic, critical illness or critical injury.
Did you know that every 40 seconds in the US a person is diagnosed with cancer, stroke or a heart attack? These life events can prevent you from continuing to work and consequently produce the income that covers your daily expenses.
Univista Insurance offers you the financial security and peace of mind in case one of these life threatening events occur, through life insurance with living benefits. We provide greats coverages (no physical exam) and affordable premiums from companies you can trust.
Breathe Easier… Protect your family NOW!
• Terminal Illness: Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months (12 months in some states) of certification of the illness by a physician.
• Chronic Illness: A doctor has certified, within the past 12 months, that you are unable to perform two out of six "activities of daily living" for a period of at least 90 consecutive days without assistance, or that you are generally cognitively impaired.
• Critical Illness includes: ALS (Lou Gehrig’s disease), Aorta Graft Surgery, Aplastic Anemia, Blindness, Cancer, Cystic Fibrosis, End Stage Renal Failure, Heart Attack, Heart Valve Replacement, Major Organ Transplant, Motor Neuron Disease, Stroke, Sudden Cardiac Arrest
• Critical Injury: Coma, Paralysis, Severe Burns, Traumatic Brain Injury
Protection for Your Home
|Feature||Our Policy||Traditional Mortgage Policy|
|Flexibility||Structure your policy to meet your needs||The mortgage determines the structure|
|Choice||You choose your beneficiary||The mortgage holder is the beneficiary|
|Death Benefit||The death benefit goes to your named beneficiary, they choose how to use it||The death benefit automatically goes to the mortgage holder|
|Protection||Permanent life insurance generally maintains a level death benefit||The death benefit generally decreases in step with the outstanding mortgage debt|
|Portability||You can take your policy with you when you sell your home or refinance||A traditional mortgage protection policy is normally tied to a specific mortgage|
|Cash Value||Permanent life insurance can build cash value for the future||Traditional mortgage policies do not build any future value|
|Living Benefits||Optional Riders can provide access to your death benefit in case you are diagnosed with a terminal, chronic, critical illness or a critical injury.||No living benefits|
|Optional Riders||Optional riders can provide benefits in case of disability or unemployment||No disability or unemployment benefits|
We all want to provide love and protection to those that depend on us for everything. One of the main attributes of the typical hero is to provide help when it's most needed. That's how we look at life insurance...Life insurance coverage isn't about you. It's the ultimate gift of love - a legacy that you can provide to the ones who matter most to YOU. Whether you are there or not, they can continue to live, grow, and achieve.
Let's get started. We'll have you back to your super hero duties in no time...
Mortgage Protection Quote