Get coverage that begins from day 1 in less than 10 minutes! First Responder Life Insurance Life Insurance Retirement Planning Life Insurance For Children
Get coverage that begins from day 1 in less than 10 minutes! First Responder Life Insurance Life Insurance Retirement Planning Life Insurance For Children
Get peace of mind today! Everyone has different needs let us help you find the right plan for your needs.
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.
The process is actually a lot simpler than you think! Because we are independent our rates and plans are a lot more inexpensive than if you were to go to a large insurance company.
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
Want to know all the benefits built into the First Responder Life Insurance Plan? Watch this video below as I go over the main benefits and how we can help you get affordable coverage in less than 10 minutes with NO MEDICAL EXAM
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 build wealth towards your retirement as well. Reach out to us Cintroninsuranceagency.com we work for YOU not any of our 40 carriers so our job is to make sure your family is rock solid covered. I cover 36 states 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?
As the wife and daughter of a first responder, I understand the importance of life insurance. My father was diagnosed with an occupational-related disease after retirement. He passed away with minimal life insurance coverage from the department. Fortunately, he had a separate supplemental policy in place. His name has been placed on the Fallen Firefighter's Wall in Colorado Springs.
I have also witnessed first responders who do not qualify later in their career, due to occupational-related medical issues. Owning a policy outside of the department (that you can get early and take with you when you retire) is very important. Thank you Holly
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.
Have you been diagnosed with Cancer or some other major medical condition and been told you were uninsurable?
Call us we have 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 and 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.
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.
Misty began her career in insurance in Ohio back in the early 1990s as a field underwriter for a small Brokerage house. In March of 2021 she opened her own branch and focuses on making sure each family has the protection in place they need to ensure if the unexpected tragedy occurs their family will not financially struggle after their loss. She is certified in the debt free life program and can help you with your retirement building and protection as well.
Christine, is a former law enforcement agent who now devotes her time to helping protect families with all our life insurance products we have to offer. Christine was almost killed in a very bad accident on her way home from work years ago. She was a devoted law enforcement officer. Trust me when I say it goes without saying she is devoted to making sure your family has solid coverage. You can read some of her story above under our accidental death section.
Katelyn has a ton of experience not only in protecting families with life insurance. She is also very experienced in helping protect your retirement account and build wealth though policies. She has mastered how to help business owners shelter their money in a policy while building retirement. If she could show you how to make 6% a month for the rest of your life to put towards retirement with NO market risk you would want to make the time to talk with her right?
Holly comes to us from Maryland and has grown up around the fire industry and very involved with the fire community. Her father is a Fallen Fireman who is names on the Fallen Firefighter's Wall in Colorado Springs.
She has also witnessed first responders who do not qualify later in their career, due to occupational-related medical issues She works very hard to make sure all her clients get affordable coverage and retirement planning.
Tony is an a multi state broker. He fully understands the risk included in both industries and helping families get the best protection for their loved ones. He is a husband and father as well so he understands family protection is a NEED not a luxury. He also comes from a long line of State Troopers so he understands the importance of serve and protect.
Morgan, began her insurance career to be able to help families have a protection plan in place for financial security. She is very compassionate towards helping her clients get in the best plan for their needs.
Lisa is a former private investigator who is no stranger to helping first responders and families get affordable coverage. She is the mother to Fire/medic and her dedication goes without saying. She works very hard to get all her clients the best plan regardless what medical condition they may have or what hour of the day it is, she is always ready to help protect those who protect others.
Tony not only protects families as a Fire/Medic on his shift days, he also protects them on his days outside the station. As a single dad he knows how important it is to have a plan in place to protect the future of those we may someday leave behind.
Jason, began his insurance career in September 2004 as a wealth manager with Morgan Stanley. He has an extensive resume as a deferred compensation specialist, retirement planning for several municipalities and he is also certified in the debt free life program. He services all our states with our advanced market retirement protection plans. He is also an active Fire/Medic
Carissa began her insurance career in April 2019 helping with Medicare Enrollment plans, she is very knowledgeable of the plans offered for Medicare. She also has helped hundreds of families get life insurance and mortgage protection insurance
Dianne comes to us from Florida where she is no stranger to helping families get affordable coverage as well as build better retirement planning through some of our long term plans.
After 20 years of marriage I was widowed unexpectedly (I literally woke up a widow, my husband dead on the floor). I was totally unaware of a policy the law firm he worked at had a policy on him. With that, I put a moved the girls and I back to Florida. now 12 years later I am married to an amazing man, retired Army and (Honolulu) law enforcement, lieutenant. My brother is retired captain of City of Miami fire department. I am thrilled to be protecting families .
Elaine handles both Health Insurance, Life Insurance, and Retirement planning for our clients. She has decades of experience and covers 27 states. She understands the importance of protecting your retirement just as much as growing it for future needs.
Chris, began his insurance career in to help others have a plan in place. He is also an active fire/paramedic so he sees first hands how fast someone's life can change and knows how important it is to have a policy to help financially protect your family. He also just had a baby so he knows people's insurance needs change over the years and he is hear to help upgrade your current policy as well to fit your changing needs. He is also certified in the debt free life program and can help you get out of debt and focus those funds towards your retirement.
Nicole helps multiple states with her years of experience protecting families. She is always eager to work with all our carriers to find the best plan available for their needs regardless of pre-existing medical conditions.
Taylor is our burst of energy in Georgia who protects families with both life insurance and mortgage protection. She always goes the extra mile for her clients to make sure they have rock solid coverage.
Rachel is a ball of fire who goes above and beyond to get her clients protected. She is always willing to work long hours and work with our carriers to make sure her clients are in the best possible policy for their needs. She has been involved with our Firehouse for 6 years now and we are lucky to have her.
Leo helps our East coast families. He brings years of financial planning experience. He works hard to make sure your family has solid coverage despite what medical conditions you have or if you have been declined in the past.
Trinity helps families in 15 states . She is always eager to work with all our carriers to find the best plan available for their needs regardless of pre-existing medical conditions. She is very thorough at shopping all the carriers we offer for all your solutions as your needs change.
Brian joins us with a former law enforcement background. He now spends his time helping protect other first responders with affordable plans to ensure that if they don't make it home from a call their family will be financially ok.
Sierra covers East Coast and is no stranger to the industry. She is active in the Coast Guard as well as being a broker. She is a wife and new mother herself so she knows the importance of having solid coverage for your loved ones. She also understands people are at different stages in their life and she is great at recommending coverage based on your needs.
Jeff is also an first responder helping protect our Northern families. He is a family man who fully understands that having a plan in place for his family is not a luxury but a must since they rely on his income.
Mickey comes to us from South Carolina with a law enforcement background as well so he fully understands how important it is to have solid coverage. He personally has the first responder coverage on his family and is eager to help you protect your family as well.
Ben is an active Fire/ Paramedic who also is reminded every shift that tomorrow is not a promise for everyone so he helps to make sure his clients have solid coverage for their family. .
Kenneth cares about getting your family protected because he is a family man himself. He has 2 beautiful children now and another on the.way so he knows your needs may change over time
Russell is a former law enforcement who is still very active in the community. He is also multi state licensed broker who can help you with your life insurance planning. He also does small group healthcare for all your group healthcare needs.
David is also an active Florida Fire/Medic . He has helped families' find affordable coverage to make sure if they ever get that devastating call saying " We are sorry we exhausted all our efforts and it just wasn't enough today to save your loved one" that they will at least have some financial peace of mind.
George is a US Navy Veteran and proud father of a USMC Vet. His son will soon begin his career as a First Responder in Southern California. George is also a former professional soccer player and coach with over 20 years in both soccer and financial services.
His business career includes the mortgage and insurance industries. He is looking forward to focusing on helping families secure their financial future as he returns full-time into the insurance industry
Severen is also an active Fire/ medic helping protect our Northern families. He is a father who fully understands that having a plan in place for his family is not a luxury but a must since they rely on his income. He is very versed in all our plans. He is eager to help you put a plan in place to protect your family as well.
Justin helps our East coast families. He is always eager to work with all our carriers to find the best plan available for their needs regardless of pre-existing medical conditions.
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
This picture is a one our real life agents Christine who is a former investigator 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
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.