We offer an effective life insurance solution. To learn more, click here!
The fastest way to find out if you are eligible is to begin our quick and easy digital process. You will know your eligibility and rate in less than ten minutes. You simply need to be a U.S. citizen or permanent resident, between 18 and 60 years old (55 if a smoker).
Our streamlined process is shorter and simpler than ever. To apply on our digital platform, click here! In a matter of minutes, you will find the coverage that is right for you and be able to get covered immediately
Your privacy and security are of utmost importance to us! We only collect data with your consent. Additionally, any payment or transaction is done through secure socket layers and with great care. Read our entire Privacy Policy.
No, we have reformatted the process and created an online questionnaire that gets the job done. All you have to do is answer honestly, review your rate and enjoy your coverage.
The Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI) has an exclusive partnership with Apoyo Seguro to provide affordable life insurance solutions for underserved consumers through an online platform that offers a fast and easy way to purchase financial protection for their loved ones. Two level-term products designed and underwritten by SBLI are available exclusively through Apoyo Seguro. SBLI is rated “Excellent” by A.M. Best and has been providing insurance solutions since 1907.
To update your payment method, simply log into LifeHub.
You can add as many beneficiaries as you wish by assigning them a percentage of the death benefit to be received. To change or add a beneficiary, simply log into LifeHub.
Your policy is active so long as you are current on your premium payments. To cancel your policy send us an email with your complete name and policy number to [email protected]. Cancelation process starts immediately, but process completion may take 1-3 business days.
Making sure you have the following information at hand can save you time: Name, Telephone Number, Address of Beneficiary, Policy Number, Death Certificate, Obituary, Coroner’s Report (if accident, homicide, suicide), Police Report (if accident, homicide, suicide). To file a claim, you may also reach us at:
Telephone: 1-855-360-0303
Email: [email protected]
We know this is a difficult time for the beneficiary. We strive to payout a claim in as little as 48 hours, assuming that all the required paperwork and information is complete and correct. Processing time depends on the circumstances surrounding your request. To be on the safe side, please allow 10-15 business days from the date that you submitted the required documents.
Life insurance claims are usually filed by the immediate family members or beneficiaries who are of legal age. If beneficiaries younger than the legal age are named, then the probate court will handle the claim until they become legal. It is always best to name a beneficiary of legal age if you have younger children, for this reason. Beneficiaries can be changed at any time during the policy and only by the policy owner.
If you purchase the Waiver of Premium rider with your policy and become totally disabled, you won’t have to pay your premiums.
In general, we take pride in offering coverage to as many customers as possible. Some high-risk activities such as sky diving and mountain climbing, as well as certain pre-existing medical conditions, may affect your insurability or rates. Depending on your personal information, a Guaranteed Issue with Accidental Death Benefit policy may be offered as an alternative.
You should pay your premiums for the entire term of the policy to prevent any interruptions in coverage.
We give you a 31-day grace period in which you can catch up on your missed payment. If the payment is still not received during this time, your policy may be cancelled. We will do our best to work with you in order to prevent any coverage interruptions.
Yes, you can. If you have paid all the necessary premiums, both policies will pay out to the named beneficiaries. It is common to have multiple policies. However, insurers may become suspicious if multiple policies are being purchased without necessity. Your best bet is to get a Term Life insurance product from us with an adequate amount of coverage and any additional riders.
Life insurance is a smart decision in regard to financial planning and security. If you pass away, your beneficiaries (those you’ve selected to receive the benefits) will receive a payout. This tax-free lump sum of money that is given to your loved ones, or any person or cause you choose upon purchase, helps pay off loans, debts, and supplement any income you provided prior to passing.
This customizable type of life insurance offers a variety of terms, prices and options that really gets the job done without breaking the bank. This option, offered by Apoyo Seguro, waives the need for a medical exam. Instead, the prospective policyholder only needs to complete a simple application or online buying process. After quickly receiving your rate, you can instantly decide on a coverage amount and period of time during which your rate will remain the same. Keep it simple, keep it covered!
A life insurance “rider” is an additional provision/benefit added to your insurance policy often at an additional cost. Examples of riders are: Accelerated Death Benefit, Accidental Death, and Waiver of Premium.
It’s another reason you need life insurance! The Accelerated Death Benefit rider is a provision in your life insurance policy that lets you access a portion of the life insurance death benefit if you become terminally ill. If your life expectancy is less than 12 months, you are eligible for a payout to help you cover medical expenses and get your affairs in order. This payout is a portion of your death benefit. In the case of Apoyo Seguro policyholders, it’s up to 50% of the death benefit. There is no charge to have this rider on your policy but it is subject to an administrative expense charge when used. The death benefit paid to the beneficiary will be reduced by the amount accelerated.
Short answer? Yes! — Life insurance is a good idea when someone depends on you, financially or otherwise. Leaving them alone without your support can be disastrous if you have outstanding debts, mortgages, student loans or any financial dilemmas that won’t disappear after the end of your life. Life insurance makes sure that these issues will not be passed on to others. Additionally, it can even help you with your bills and other outstanding debts while you’re still alive, if you have been diagnosed with a terminal illness.
There are various options. However, Apoyo Seguro offers Term Life and Guaranteed Issue solutions that provide the greatest coverage for an affordable price. Click here to learn more about Apoyo Seguro’s effective solution. Any life insurance policy is better than none at all.
Ideally, your life insurance policy amount can be calculated using a simple formula. Consider a few variables: your long-term financial obligations, debts and your assets. Subtract your assets from the obligations to find the gap that needs to be supplemented by your life insurance policy.
2. From that, subtract liquid assets such as: savings + existing college funds + current life insurance.
Every client is underwritten individually and receives a price based on many factors, such as: medical history, current health, age, and gender. That said, having health issues should not preclude you from applying for coverage and encourage you to begin our easy, quick sales process.
A beneficiary is the person or entity you choose to receive the lump sum cash payout from your policy should you pass away. A policyholder may designate a beneficiary upon purchase. Multiple beneficiaries may be designated, along with percentages of the benefit they’d receive.
Phone: +1 (855) 360 0303
Supplemental insurance is additional coverage that you can purchase to help you pay for services and out-of-pocket expenses that your traditional life and health insurance don’t cover. Apoyo Seguro offers supplemental insurance plans that will pay for hospitalization, cancer, accident, dental, vision, hearing, and out-of-pocket expenses as well as help cover deductibles, copayments, coinsurance and more. Click here to learn more.
Accident insurance plans also include benefits for burns, dislocations, fractures, dismemberment, eye injuries, and major diagnostic exams. To learn more click here.
Apoyo Seguro’s Cancer insurance helps provide an important safety net beyond traditional health insurance for addressing the financial consequences of dealing with cancer. You determine whether you use it to cover deductibles and co-payments or living expenses. Cancer Care Plus also covers expenses related to a number of other diseases, including muscular dystrophy, epilepsy, meningitis, and multiple sclerosis. To learn more click here.
Yes, the age range to apply is 18 – 69 years old.
It provides coverage at the dentist as well as vision and hearing benefits for things like contact lenses, hearing aids, eye exams, and more. You choose if your annual benefit is $1,000 or $1,500 and your annual deductible is just $100 per person. To learn more click here.
There are two costs to major medical insurance whenever you are hospitalized – 1) the health insurance premium and 2) the cost of actually using the insurance. To help you manage the gaps, Apoyo Seguro offers two hospital indemnity plans – Affordable Choice and Central Choice. To learn more about these plans click here.
Yes, you can purchase any supplemental health insurance product even if you don’t have a life insurance policy with Apoyo Seguro.
You can purchase as many as you like, for yourself and for your family.
When purchasing the plan, each person can choose his or her effective date between the 1st and 28th day of the month of subscription.
Protection Plus Life is Apoyo Seguro’s preferred and trusted partner for Guaranteed Issue Life insurance coverage. To learn more about the products we offer click here: https://protectionpluslife.com/m/Lifefy.
