Welcome to Cintron Insurance
Life Happens! We Help You Prepare For It Today With Life Insurance.
Get peace of mind today! Everyone has different needs let us help you find the right plan for your needs.
Get peace of mind today! Everyone has different needs let us help you find the right plan for your needs.
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.
We love our first responders and we understand many carriers rate you up for showing up . Here at Cintron insurance we have many in house first responders working with us so we know how dangerous your job is and just how important it is to have solid coverage outside of your department in the event you become injured and unable to work or worse are first in and don't make it out. We are honored to show up for your family if tragedy strikes.
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.
Fill out the form with any questions you have about finding the coverage that's right for you!
687 Harvard Street, Brooksville, Florida 34601, United States
Monday - Friday: 9 AM - 6 PM
Saturday: 10 AM - 2 PM
Sunday: Closed
We have years of insurance experience helping clients prepare for the unknown. Ask us about protecting your family with one of our life insurance products and retirement planning resources. Having a plan in place is the best asset you can leave your family to help them adapt to life without you or your lost income. We have access to hundreds of insurance products so you can get the right one for you. We have several children's plans that will help build funds towards college or to buy their first home. These are permanent plans and there is no better time to insure your child than when they are young and healthy, especially if your family has any inherited illnesses that may be a concern. Did you know that you can list a whole life plan as an asset when they go to purchase their first home? How great would it be to take the cash value they have earned to help buy their first car when they turn 16? These plans can offer those rewards.
Have you been diagnosed with Cancer or some other major medical condition and been told you were uninsurable?
Call us we have several carriers who will cover you with Cancer and other major medical conditions. We have a carrier who is great with insulin dependent diabetics as well.
Every family deserves financial security so we partnered with some of the top carriers to be able to offer all our clients protection not just our young and healthy ones.
We also offer Cancer indemnity and Critical Illness as well as Long Term Care Plans to help prepare for the " What If"
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Most households rely on two incomes to afford their mortgage. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price to insure if you don't make it home tomorrow, your family will not face a foreclosure and we can help them protect the equity built into the home you worked so hard to make your own.
Want to get out of debt including your mortgage in 3-8 years and NOT pay anything extra each month? Over 63% of Americans live pay check to pay check and are in debt that they can't find their way out of. With rising inflation debt free life plans are the solution!
We have a plan that offers just that. You won't pay anything more than you already pay each month but it will pair you with one of licensed debt free life agents to help you climb out of debt in no time so you can put those funds towards building your retirement or other investments.
The process is actually a lot simpler than you think! Because we are brokers our rates and plans are a lot more inexpensive than you think because we are able to shop over 40 carriers for you to find you the best plan that fits both your budget and your needs.
Benefits of Working With Us:
✅ No Medical Exams Required
✅ Approvals Can Be Done Same Day In Minutes
✅ Tobacco Users Can Be Accepted
✅ Affordable Low-Cost Premiums That Fit Anyone's Budget
✅Have some health concerns? That's ok we have several carriers who accept health concerns your family deserves coverage as well
If you didn't make it home tomorrow what would that look like financially for your family and loved ones? How long can your family financially stay afloat without causing a critical financial strain? Can they cover the mortgage and day to day expenses left behind without your income or would it put them in financial crisis? No one wants to think about the thought of dying or leaving our loved ones with debt or in a financial crisis? Did you know most foreclosures are caused from an unexpected death?
Whether you are getting ready to to retire and you are trying to replace your " work" plan since you lose that group plan upon retirement or you lose the group rate, or if you are trying to option 1 to get your full payout. We also have life insurance plans that help you builds TAX FREE wealth towards your retirement as well. We work for YOU not any of our 40 carriers so our job is to make sure your family has rock solid covered. I cover 39 states so we can get you covered. We are more than happy to help to review any current plan you may have as well. Did you know you can build retirement wealth through a funded life insurance plan with less risk & better tax breaks than a 401k?
Please contact us if you cannot find an answer to your question.
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.
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.
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.
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.
"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.
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.
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
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.
We have a team dedicated to working with our First Responders to make sure their families have financial security that if they don't make it home from their shift. We can't replace a loved one but we can make sure their family will be financially ok. We have said good bye to way too many colleagues these past years too soon. This team is made up of former or active first responders as well so they fully understand your families needs and we are proud that we were able to partner with a great carrier for them who doesn't rate them up for having a high risk job. You guys show up in someone else's time of need and we are happy to support YOU and your family in a time of need.
You have a high risk job and we want to make sure you are covered. Your legacy will live on.
Yes we WILL be back at FDIC in 2024 as well.
When I say we understand your industry I mean we are the real deal. Jason Cintron was on Live PD on several episodes running scenes as a Fire/Medic .
With over 20 years of experience in the insurance industry, our team of experts has the knowledge and skills to guide you through the insurance process. We have helped thousands of clients find the right coverage at the right price.
We've made it even easier for you guys to get enrolled with your busy schedules.
Life insurance can help GUARANTEE that your loved ones are protected with the money necessary to pay off any expenses, bill, and funeral costs. With extra cash in hand, your family can give you a proper funeral.
Our guys that work to cover first responders truly are active first responders as well so they know every bit of concern you face each shift and the importance of having solid coverage in place in the event you get Cancer or develop one of the several other long term conditions that come with the job. This plan has benefits for the " what if you live" and need financial help to pay your day to day expenses.
Living Benefits could be the prayer that helps keep you in your home while you are battling Cancer. It could be just what you need to help you pay for experimental treatments. What if you get burnt really bad on a call? Chronic, Critical and Terminal Illness built in this plan for you guys.
This picture is a one our former real life agents Christine who was a dispatcher who was getting off a over time shift and was hit by a semi truck on her way home to her family. They didn't think she was going to make it. Thank God she did because now she devotes her career to helping other First Responders and Families make sure they have the protection in place they need in case they find themselves in a position she once was in. By the way if she had passed her department policy would not have paid out a dime because she was not on duty when the accident happened. Work plans are great but read your fine print.
Accidental Deaths are the 3rd Cause of Death in the US. An estimated 200,955 people died from unintentional injuries in 2020, with the highest death rates from unintentional injuries found among the elderly. The most common types of unintentional injuries that lead to death involve poisonings, motor vehicles, and falls, suffocation, drowning, fire and burns, and natural or environmental disasters .
Did you know the number 1 cause of death differs by age group?
-From ages 1 to 4, babies, toddlers, and their caregivers should be extra cautious around water
-For a person between 5 and 24, car crashes pose the greatest threat to their life
-For people between 25 and 44, the leading cause of death shifts from car crashes to accidental poisoning
-From ages 45 to 64, as our cells age and DNA gets damaged, cancer becomes the greatest risk to our lives
-For people age 65 and older, heart disease (sometimes called the silent killer) becomes a bigger threat than cancer
Check out this great video that goes over some of the different life insurance plans out there. Life insurance is no longer just a death benefit. Why borrow money from a bank when you can borrow from yourself through your policy? Have debt we can get you out of debt in no time through a policy that pays while you're alive. Is your house protected? We offer Mortgage Protection too.
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