Get Custom-Tailored Coverage for Your Needs:
Simplify Life Insurance Today
Step 1
See your options.
Step 2
Pick the right options for you.
Step 3
Apply and go through underwriting process.
Step 4
Enjoy peace of mind of knowing you have best plan for you.
Step 1: See your options.
Step 2: Pick the right options for
you.
Step 3: Apply and get approved.
Step 4: Enjoy peace of mind of
knowing you have best plan for you.
Get Clarity on Life Insurance: Discover the Policy for You
HASSLES OF BUYING LIFE INSURANCE
What are the different kinds of life insurance, and how can I pick the one that's best for me and my family?
I heard I need medical exams; can I avoid them?
What forms do I need to fill out to get life insurance, and how can I make sure I fill them out correctly and quickly?
How long does it take to get approved for life insurance, and what can affect how long it takes?
How much does life insurance cost, and how can I make sure I can afford it?
What are some important things to look for in a life insurance policy, and how can I make sure I understand what it all means?
With so many different options and opinions about life insurance, how can I figure out which policy is the best fit for me and my family?
WHAT POLICY DO I NEED?
Only Want to Cover Final Expenses
Final Expense Policy
Low Budget or Temporary Need
Term
Do you want a Permanent Policy and don’t mind paying as long as you need it?
Guaranteed Universal Life
Do you want to have cash value that you can borrow against if needed?
Whole Life/ Index Universal Life
Only Want to Cover Final Expenses
Final Expense Policy
Low Budget or Temporary Need
Term
Do you want a Permanent Policy and don’t mind paying as long as you need it?
Guaranteed Universal Life
Do you want to have cash value that you can borrow against if needed?
Whole Life/ Index Universal Life
What’s the game changer in the insurance industry?
ACCELERATED DEATH BENEFIT RIDERS
Basically, if you get sick with a serious illness like cancer or a heart attack, you can use the Accelerated Death Benefit Rider to get a portion of the money from your life insurance policy to help pay for your medical bills or other expenses.
And here's the really exciting part: you don't have to pay it back! That's right, it's not a loan, it's your own money that you're just getting a little early:
Living Benefit
Terminal Illness Rider
Qualifying conditions:
If an eligible insured is diagnosed with an illness or condition that is expected to result death within 24 months or less.
Available on all rate classes.
Chronic Illness Rider
Qualifying conditions:
If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.
The ADLs include bathing, continence, dressing, eating, toileting, and transferring.
Critical Illness Rider
Qualifying conditions:
If an eligible insured is diagnosed with critical illness.
See rider for complete list of critical illnesses and definitions. Covered critical illnesses may include:
Heart Attack
Stroke
Invasive cancer
End-stage renal failure
Major organ transplant
ALS
Blindness
Paralysis
Arterial aneurysms
Central nervous system tumors
Severe disease of any organ(resulting in significantly altered life expectancy)
Major burns (>40%BSA, 3rd Degree)
Loss of Limbs
* Qualifying conditions vary by the company offering coverage
Living Benefit
Qualifying Conditions
Terminal
Illness Rider
If an eligible insured is diagnosed with an illness or condition that is expected to result death within 24 months or less.
Chronic
Illness Rider
If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.
The ADLs include bathing, continence, dressing, eating, toileting, and transferring.
Critical
Illness Rider
If an eligible insured is diagnosed with critical illness.
Covered critical illnesses may include:
Heart Attack
Stroke
Invasive cancer
End-stage renal failure
Major organ transplant
ALS
Blindness
Paralysis
Arterial aneurysms
Central nervous system tumors
Severe disease of any organ(resulting in significantly altered life expectancy)
Major burns (>40%BSA, 3rd Degree)
Loss of Limbs
* Qualifying conditions vary by the company offering coverage
Here are some of my clients who've accelerated their death benefits.
How would you feel if you received a check this size to take care of you when you need it most?
TESTIMONIALS
Adam Shamam
"Jon kept searching for what I wanted until he found the coverage that I both wanted and needed. Until this day he updates me whenever there are changes that can be made to benefit my financial goals further! Thank YOU, Jon!"
Charles Lee, Esq. & Dr. Nicole Na
"We highly recommend Jon Loyhayem as a life insurance planner. He took the time to thoroughly educate us on the different options available and helped us find a plan that not only provided more benefits but also greater value compared to what we were previously paying for the past few years. We were truly blown away by his expertise and dedication to finding the best solution for our needs. Thanks to Jon, I now have peace of mind knowing that my loved ones are protected."
Dr. Isaac Kashani
(Lasting Impressions Dental Spa)
"As a dentist who owns a practice, it is crucial that I have the right life and disability insurance coverage in place to protect my family and my practice. I am grateful to have Jon Loyahyem as my insurance planer, as he has truly been the best agent for my needs. Not only does he have a thorough understanding of the insurance needs of dentists who own a business, but he also has the expertise to tailor a policy to fit the unique needs of a business owner. Jon is a reliable and trustworthy professional who always has his client’s best interests at heart. I highly recommend Jon Loyhayem to any dental business owner needing life insurance."
TESTIMONIALS
Adam Shamam
"Jon kept searching for what I wanted until he found the coverage that I both wanted and needed. Until this day he updates me whenever there are changes that can be made to benefit my financial goals further! Thank YOU, Jon!"
Charles Lee, Esq.
&
Dr. Nicole Na
"We highly recommend Jon Loyhayem as a life insurance planner. He took the time to thoroughly educate us on the different options available and helped us find a plan that not only provided more benefits but also greater value compared to what we were previously paying for the past few years. We were truly blown away by his expertise and dedication to finding the best solution for our needs. Thanks to Jon, I now have peace of mind knowing that my loved ones are protected."
Dr. Isaac Kashani
"As a dentist who owns a practice, it is crucial that I have the right life and disability insurance coverage in place to protect my family and my practice. I am grateful to have Jon Loyhayem as my insurance planer, as he has truly been the best agent for my needs. Not only does he have a thorough understanding of the insurance needs of dentists who own a business, but he also has the expertise to tailor a policy to fit the unique needs of a business owner. Jon is a reliable and trustworthy professional who always has his client’s best interests at heart. I highly recommend Jon Loyhayem to any dental business owner needing life insurance."
Below are just some of the companies Jon represents.
Jon Loyhayem | CA Lic: 600218