{"id":710,"date":"2015-12-06T22:24:54","date_gmt":"2015-12-06T22:24:54","guid":{"rendered":"https:\/\/www.qualityinsurancehouston.com\/?page_id=710"},"modified":"2022-06-07T00:23:59","modified_gmt":"2022-06-07T00:23:59","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/qualityinsurancehouston.com\/es\/life-insurance\/","title":{"rendered":"Seguro de vida"},"content":{"rendered":"<p><section class=\"fw-main-row\"  >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 54px;\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<p><!--more--><\/p><p><!--more--><\/p><h3>Seguro de vida<\/h3><p><!--more--><\/p><p>The adage \"family first\" is true, and a value we hold dearly here at Quality Insurance. Planning for the stability of your family after you're gone should be at the top of your insurance priorities.<\/p><p>With so many plans and options and coverage types - it can be overwhelming to find a balance between essential needs and budget - that's were we come in.<\/p><p>Invest in your loved ones with the product that is best for you and your family. Call us today to discuss your future with a life insurance specialist at Quality Insurance.<\/p><ul class=\"ul-list\"><li><i class=\"fa fa-check\"><\/i> Peace of mind<\/li><li><i class=\"fa fa-check\"><\/i> Term or Whole-Life policy options<\/li><li><i class=\"fa fa-check\"><\/i> Some plans build cash value and can link with stock options<\/li><li><i class=\"fa fa-check\"><\/i> Affordable rates and payments<\/li><\/ul>\n\t<div class=\"fw-divider-space\" style=\"padding-top: 54px;\"><\/div>\n<\/div>\n<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 40px;\"><\/div>\n<img decoding=\"async\" src=\"\/\/qualityinsurancehouston.com\/wp-content\/uploads\/2022\/05\/Life-Insurance-Quality-Insurance-Houston-Texas.jpg\" alt=\"Life Insurance - Quality Insurance - Houston Texas\" \/><\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<section class=\"fw-main-row\"  >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<div class=\"row circle-service-icon-left\">  \n<div class=\"fw-col-lg-12\">  \n  <div class=\"img-wrapper\"> \n    <div class=\"img-wrapper-inner\"> \n      <img decoding=\"async\" src=\"http:\/\/qualityinsurancehouston.com\/wp-content\/uploads\/2022\/06\/checkmark-2.png\" alt=\"\"> \n    <\/div>\n  <\/div> \n  <div class=\"text-wrapper\"> \n    <h4>Life Insurance Can be Affordable - and is Essential!<\/h4>\n    <p>Nearly half of American adults do not have life insurance coverage, often believing they can't afford it.  Guess again!  Contact Quality Health Insurance today. <\/p>\n  <\/div>  \n<\/div>\n<\/div>\n<\/div>\n<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<div class=\"row circle-service-icon-left\">  \n<div class=\"fw-col-lg-12\">  \n  <div class=\"img-wrapper\"> \n    <div class=\"img-wrapper-inner\"> \n      <img decoding=\"async\" src=\"http:\/\/qualityinsurancehouston.com\/wp-content\/uploads\/2022\/06\/checkmark-2.png\" alt=\"\"> \n    <\/div>\n  <\/div> \n  <div class=\"text-wrapper\"> \n    <h4>Life Insurance Can Cover Final Expenses<\/h4>\n    <p>The national median cost of a funeral that included a viewing and a burial was $7,848 as of 2021.  Are you prepared to pay that out of pocket? <\/p>\n  <\/div>  \n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<div class=\"row circle-service-icon-left\">  \n<div class=\"fw-col-lg-12\">  \n  <div class=\"img-wrapper\"> \n    <div class=\"img-wrapper-inner\"> \n      <img decoding=\"async\" src=\"http:\/\/qualityinsurancehouston.com\/wp-content\/uploads\/2022\/06\/checkmark-2.png\" alt=\"\"> \n    <\/div>\n  <\/div> \n  <div class=\"text-wrapper\"> \n    <h4>Life Insurance Offers More than just Financial Security<\/h4>\n    <p>In addition to providing financial security for the policyholder's loved ones, life insurance offers tax benefits and other uses. <\/p>\n  <\/div>  \n<\/div>\n<\/div>\n<\/div>\n<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<div class=\"row circle-service-icon-left\">  \n<div class=\"fw-col-lg-12\">  \n  <div class=\"img-wrapper\"> \n    <div class=\"img-wrapper-inner\"> \n      <img decoding=\"async\" src=\"http:\/\/qualityinsurancehouston.com\/wp-content\/uploads\/2022\/06\/checkmark-2.png\" alt=\"\"> \n    <\/div>\n  <\/div> \n  <div class=\"text-wrapper\"> \n    <h4>Coverage for Chronic and Terminal Illnesses<\/h4>\n    <p>Under some policies, if you are diagnosed with a terminal illness and are expected to live less than 12 months, you can use your death benefit while you\u2019re still living to pay for your care and more.  <\/p>\n  <\/div>  \n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<section class=\"fw-main-row\"  >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 27px;\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t<div class=\"fw-tabs-container\" id=\"fw-tabs-6a4d532486776\">\n\t<div class=\"fw-tabs\">\n\t\t<ul>\n\t\t\t\t\t\t\t<li><a href=\"#fw-tabs-6a4d532486776-1\">Term Life Insurance<\/a><\/li>\n\t\t\t\t\t\t\t<li><a href=\"#fw-tabs-6a4d532486776-2\">Universal Life Insurance<\/a><\/li>\n\t\t\t\t\t\t\t<li><a href=\"#fw-tabs-6a4d532486776-3\">Whole Life Insurance<\/a><\/li>\n\t\t\t\t\t\t\t<li><a href=\"#fw-tabs-6a4d532486776-4\">Variable Life Inusurance<\/a><\/li>\n\t\t\t\t\t\t\t<li><a href=\"#fw-tabs-6a4d532486776-5\">FAQs<\/a><\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\t\t\t<div class=\"fw-tab-content\" id=\"fw-tabs-6a4d532486776-1\">\n\t\t\t<p><strong>Term Life: <\/strong> A term life insurance policy offers affordable, straightforward protection that lasts a defined period of time. Term life insurance is often the lowest priced coverage option, but it is temporary. It designed to help replace your income if you pass away during earning years. Your family can use the death benefit to help pay for expenses like housing, childcare and groceries. <\/br><\/br>\r\n\r\nWith term life insurance, you'll have: <\/br><\/br>\r\n<ul>\r\n<li><strong>A tax-free death benefit<\/strong><br>Provides your family stability at the very time they will need it most.<\/li>\r\n\r\n<li><strong>Affordable rates &amp; payments<\/strong><br>Plans start as little as $15.09 per month for 20 years at $250,000.<br><\/li>\r\n\r\n<li><strong>Flexible policy lengths<\/strong><br>You can choose a term length between 10 and 40 years. <\/li>\r\n\r\n<li><strong>Flexibility to convert to permanent insurance<\/strong><br>Switch to longer term protection in the future as provided by policy provisions.<\/li>\r\n<\/ul><\/p>\n\t\t<\/div>\n\t\t\t<div class=\"fw-tab-content\" id=\"fw-tabs-6a4d532486776-2\">\n\t\t\t<p><strong>Universal Life: <\/strong> A universal life insurance policy offers flexible protection that can last up to your lifetime and includes various cash accumulation options. If you want lifelong coverage, but with flexibility down the road, universal life insurance may be a good option. <\/br><\/br>\r\n\r\nThis type of permanent life insurance offers:  <\/br><\/br>\r\n<ul>\r\n<li><strong>Death benefit protection<\/strong><br>As long as you pay the sufficient premiums, your protection never ends.<\/li>\r\n\r\n<li><strong>Built-in flexibility<\/strong><br>You can increase or decrease your death benefit to meet your changing financial needs so long as sufficient premium is paid to keep the policy in force.<br><\/li>\r\n\r\n<li><strong>Expanded cash value options for certain policies<\/strong><br>Some universal life policies provide that the cash value can be linked to the broad performance of stock market index funds, but with limits on how much you can gain or lose. Or, you can choose a guaranteed annual return option. It even offers flexibility to have a combination of both. <\/li><\/ul><\/p>\n\t\t<\/div>\n\t\t\t<div class=\"fw-tab-content\" id=\"fw-tabs-6a4d532486776-3\">\n\t\t\t<p><strong>Whole Life: <\/strong> A whole life insurance policy offers predictable lifelong protection with the most guarantees, including a fixed premium and death benefit. Whole life policies provide that the amount of life insurance coverage you buy at the start of the policy remains the same throughout your lifetime. The cost is fixed, based on your age when you buy it. And the money paid to your family when you die is generally income tax free. <\/br><\/br>\r\n\r\nThis type of permanent life insurance offers: <\/br><\/br>\r\n<ul>\r\n\r\n<li><strong>Death benefit protection<\/strong><br>As long as you make the required payments, you can rest assured that your beneficiaries will receive the death benefit if pass away.<\/li>\r\n\r\n<li><strong>For participating policies,<\/strong> these earnings can be received in cash, accumulated at interest, used to buy additional life insurance or to help reduce premium payments or pay outstanding loans.<br><\/li>\r\n\r\n<li><strong>Guaranteed cash value<\/strong><br>This policy's savings component allows the cash value to increase regardless of market conditions. <\/li>\r\n<\/ul><\/p>\n\t\t<\/div>\n\t\t\t<div class=\"fw-tab-content\" id=\"fw-tabs-6a4d532486776-4\">\n\t\t\t<p><strong>Variable Universal Life: <\/strong> A whole life insurance policy offers predictable lifelong protection with the most guarantees, including a fixed premium and death benefit. Whole life policies provide that the amount of life insurance coverage you buy at the start of the policy remains the same throughout your lifetime. The cost is fixed, A variable universal life insurance policy typically includes different investment options for your cash value, as well as flexibility in your death benefit. <\/br><\/br>\r\n\r\nThis type of permanent life insurance offers: <\/br><\/br>\r\n<ul>\r\n\r\n<li><strong>A wider range of investment options<\/strong><br>Have the freedom to decide where to invest your cash value. Choose subaccounts similar to mutual funds or fixed accounts. This comes with higher growth potential, and increased risk.<\/li>\r\n\r\n<li><strong>Full market participation<\/strong>No limits on how much cash value you can gain or lose like other universal life products. The value of your policy depends on the market performance of your subaccounts. Your cash value growth is not limited, but like other investments, there is also potential to lose value.<br><\/li>\r\n\r\n\r\n<\/ul><\/p>\n\t\t<\/div>\n\t\t\t<div class=\"fw-tab-content\" id=\"fw-tabs-6a4d532486776-5\">\n\t\t\t<p><strong>What is the difference between term life insurance and permanent life insurance?<\/strong>  Term life and permanent life are the two main types of life insurance policies. Both offer a tax-free death benefit to your beneficiary\/beneficiaries if you pass away. Term life insurance provides coverage for a set period of time and is often the lowest priced coverage option. Permanent life insurance provides the security of lifelong protection and can also build cash value over time.<\/br><\/br>\r\n\r\n<strong>How can life insurance help protect my family?<\/strong>  Life insurance can help protect your family members when they suffer the loss of a breadwinner or stay-at-home parent. Life insurance allows a family to help maintain its standard of living by providing income-tax-free money to help pay for funeral expenses, pay off the mortgage, set aside college tuition for the kids and help provide financial peace of mind after the loss of a loved one.<\/br><\/br>\r\n\r\n<strong>Can life insurance be affordable on a tight budget?<\/strong>  It certainly can. The misconception about the price of life insurance is the main reason many people opt-out. Consumers think life insurance costs nearly three times the actual price, according to a report by the nonprofit Life Happens. Premiums depend on many factors, including your age and health, so it's advised to look into life insurance now rather than waiting until you are older.<\/br><\/br>\r\n\r\n<strong>Can I adjust my life insurance plan or is it set in stone?<\/strong>  It depends on the type of life insurance policy that you have. Call us today at (281) 855-2228 to determine the right type of life insurance policy for your needs.\r\n<\/p>\n\t\t<\/div>\n\t<\/div><\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<section class=\"fw-main-row\"  >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 54px;\"><\/div>\n<\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<section class=\"fw-main-row\"  >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 54px;\"><\/div>\n<\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<section class=\"fw-main-row\" style=\"background-color:#2b3039;\" >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 45px;\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<p><!--more--><\/p><p><!--more--><\/p><h3 style=\"color: white;\">No Appointment Needed<\/h3><p><!--more--><br \/><!--more--><\/p><p><iframe loading=\"lazy\" style=\"border: 0;\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3460.7809260383315!2d-95.64861748448659!3d29.84174468195651!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x8640d9f7fbdd27c1%3A0xb7d2ae60e1a69694!2s4617%20Hwy%206%20N%2C%20Houston%2C%20TX%2077084!5e0!3m2!1sen!2sus!4v1653930591572!5m2!1sen!2sus\" width=\"600\" height=\"450\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><\/div>\n<div class=\"fw-col-xs-12 fw-col-sm-6\">\n\t<p><!--more--><\/p><h3 style=\"color: white;\">Request a Quote<\/h3><p><!--more--><br \/>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f924-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"924\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/pages\/710#wpcf7-f924-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/es\/wp-json\/wp\/v2\/pages\/710#wpcf7-f924-o1\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"924\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f924-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"FullName\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nombre Completo\" value=\"\" type=\"text\" name=\"FullName\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"PhoneNumber\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"N\u00famero de tel\u00e9fono\" value=\"\" type=\"text\" name=\"PhoneNumber\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"EmailAddress\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Correo electr\u00f3nico\" value=\"\" type=\"email\" name=\"EmailAddress\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Details\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"\u00bfNecesidades de seguro? (hogar\/auto\/vida)\" name=\"Details\"><\/textarea><\/span><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\n<\/div>\n<\/p><\/div>\n<\/div>\n\n<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t\n\t<div class=\"fw-divider-space\" style=\"padding-top: 120px;\"><\/div>\n<\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<section class=\"fw-main-row\"  >\n\t<div class=\"fw-container\">\n\t\t<div class=\"fw-row\">\n\t<div class=\"fw-col-xs-12\">\n\t<\/div>\n<\/div>\n\n\t<\/div>\n<\/section>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Life InsuranceThe adage &#8220;family first&#8221; is true, and a value we hold dearly here at Quality Insurance. Planning for the stability of your family after you&#8217;re gone should be at the top of your insurance priorities.With so many plans and options and coverage types &#8211; it can be overwhelming to find a balance between essential [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/page-wide.php","meta":{"footnotes":""},"class_list":["post-710","page","type-page","status-publish","hentry"],"featured_image_src":null,"featured_image_src_square":null,"brizy_media":[],"_links":{"self":[{"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/pages\/710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/comments?post=710"}],"version-history":[{"count":25,"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/pages\/710\/revisions"}],"predecessor-version":[{"id":1273,"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/pages\/710\/revisions\/1273"}],"wp:attachment":[{"href":"https:\/\/qualityinsurancehouston.com\/es\/wp-json\/wp\/v2\/media?parent=710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}