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Cintron Insurance Agency

687 Harvard Street, Brooksville, Florida 34601, United States

352-942-5313 Mistycintron.life@gmail.com

Hours

Monday - Friday: 9 AM - 6 PM

Saturday: 10 AM - 2 PM

Sunday: Closed

Different Types of Coverage for differnt needs

Term Life Insurance

At Cintron Insurance, we deeply value our families and are proud to work closely with many first responders. We understand that some carriers may increase your rates simply because of the risks you face on the job. With many in-house first responders on our team, we recognize the dangers of your work and the importance of having reliable coverage outside of your department. In the event of injury, or worse, we’re here to ensure your family is taken care of. It’s an honor to be there for your loved ones when tragedy strikes.

Final Expense Burial Insurance

Final expense insurance, also referred to as burial insurance, covers end-of-life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your beneficiary. This coverage can ensure that your loved ones aren't left with a financial burden, as the average funeral can cost $10,000 or more You can buy a final expense insurance policy at any age. However, these policies are often designed for adults who are 50 to 85 years old.

Peace of Mind

Don't put this off, make your family a priority for peace of mind for all of you.

Mortgage Protection Insurance

Mortgage Protection insurance is an affordable term life insurance policy designed for home owners. You can choose how long you need coverage and find the rate that fits your budget. This type of insurance ensures your family can stay in the home in the event of death or significant income loss.

Mortgage Protection Insurance

Mortgage protection insurance offers key benefits for homeowners, providing financial security by covering mortgage payments in the event of unexpected death, disability, or critical illness. This insurance ensures your family can remain in their home without the stress of covering monthly payments if income is lost. It also helps protect equity, prevents foreclosure, and offers peace of mind knowing your home is safeguarded, allowing your loved ones to focus on healing rather than finances during challenging times.

Retirement Protection Insurance

With today's rising inflation many hard working families are trying to be smarter about preparing for retirement. We have plans that can offer tax free gains with no risk of losing your hard earned money. If your retirement account were to take a 15%- 20% hit tomorrow how far back would that set you? Many experienced those hits in 2008 housing market crash and are still rebuilding. Don't be caught off guard and risk your retirement. Safeguard it with us today in a plan that that offers you only gains and no risk.

Our services

We Got You Covered

HOW WILL YOUR FAMILY PAY FOR FUNERAL EXPENSES?

In 2020, the average cost for a funeral was $12,450. That cost does not include headstones, flowers, monuments, and other external expenses such as bills and debt.

As an agency we are licensed in 39 states Including, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, KS, KY, LA, IL, IN, MA, MD, MI, MS, MO, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, & WV So there is no need to leave your family's financial future at risk. Put our agents in a position to hand your loved ones a check while everyone else is handing them bills. If you can afford coffee and dining out you can afford to offer your family peace of mind. What you can't afford to do if finances are tight is leave your family in financial crisis when you pass.

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Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

Will I Need A Medical Exam?

No, we only work with A-Rated carriers who offer simplified underwriting. They will do a prescription check to help determine which tier you best fit into. Most of our carriers offer instant decisions that allow you to get quoted, enrolled and activated in less than 10 minutes with no waiting period.

Do I Need Coverage If I Have It Through My Employer?

More than not, the answer is Yes. Most group coverages through work you are not actually a policy holder but a certificate holder. Meaning, if you quit or lose your job you're losing your coverage as well. Example we just lost one our own earlier this year to Cancer. He held onto the job as long as he could but once he could no longer perform his duties he had to leave and he lost his benefits which means he also lost his life insurance and now he was in full blown Cancer treatments. Had he had this plan he instead would have received a check to cover half his policy to help him cover his medical bills as well as day to day expenses then after his passing his wife would have received the other 50% as his death benefit This is why you want your own plan that you own. We usually recommend that if you have coverage for free or discounted through work to consider that a perk at work and to still get your own policy outside of work in order to guarantee that benefit for your family.

I Have Major Medical Conditions Can I Still Get Coverage?

Yes, we work with several carriers who offer Guaranteed issue whole life plans up to $25,000 in coverage. Whether you just had a heart attack last week and realize life is happening or you are actively fighting cancer we can get you covered. $25,000 goes a long way in a time of need for your loved ones.

What is a ROP (Return of Premium ) Option?

A return of premium policy is a term policy that will return all or some of the premiums you paid throughout the term back to you at the end of the term. Some companies will even offer a conversion option with the policy which allows you to trade the return for a "paid up" whole life policy with a higher face amount than the return.

What Does Paid Up Mean?

"Paid Up" when referring to life insurance means that the premiums you have paid in have accumulated enough cash value to cover the cost of your policy for the rest of your life. Your policy will remain current but you will no longer have to pay premiums. This is a typical term you will hear with whole life policies.

Is Accidental Death Insurance a Waste?

No, Accidental death is still the 3rd cause of death in the US. Almost 201,000 people die yearly from accidental deaths. Medical errors officially the third leading cause of death in U.S., study finds. A new study published in The BMJ confirms that medical errors are the third leading cause of death in United States, behind only heart disease and cancer.

Can I Borrow or Take Money Out Of My Life Insurance Policy?

In some cases, yes. Depending on the type of life insurance policy and how it is used, permanent life insurance can be considered a financial asset because of its ability to build cash value or be converted into cash. Simply put, most permanent life insurance policies have the ability to build cash value over time

Is Life Insurance An Asset Class?

At the end of the day, life insurance is a unique asset class for its ability to bring cash into the financial equation of a family, business or charity at the time it's likely to be most needed – with the loss of income or resources that death usually brings.

Welcome to Cintron Insurance

Life Happens! We Help You Prepare For It Today With Life Insurance.

Get A Free Quote Today From ALL our Carriers to really shop

We Look Forward To Working With You Get A Free Quote Today From ALL our Carriers to really shop the best of the best to protect your loved ones.

Cintron Insurance Agency

Hours

Reviews Shop With Confidence With Us

Different Types of Coverage for differnt needs

Term Life Insurance

Final Expense Burial Insurance

Peace of Mind

Mortgage Protection Insurance

Mortgage Protection Insurance

Retirement Protection Insurance

Just Some of Our Top Carriers

Just Some More of Our Top Carriers

Our services

We Got You Covered

HOW WILL YOUR FAMILY PAY FOR FUNERAL EXPENSES?

In 2020, the average cost for a funeral was $12,450. That cost does not include headstones, flowers, monuments, and other external expenses such as bills and debt.

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