Life Minded Legacy

Santiago Life Group's greatest goal is to server your family and leave them better than when we first met. From our first phone call to whenever I have the honor of delivering a policy check to your beneficiary, we want you to forever know that we are on your side and in your corner. We are your Forever Family, and we exist to help you create a long-lasting legacy for your family by achieving financial freedom and retiring with tax-favored income.  Our proven method has helped thousands of families get on track to financial freedom while building a legacy with real retirement savings. If you could payoff your debt and save for retirement, would you want to? You've carried the weight of debt around for too long. Let's schedule a time to talk in the near future, in hopes that our team of subject matter experts can help you exhale with joy, hope, and peace of mind knowing you'll be OK! 

Term life insurance is considered the most affordable type of life insurance. Coverage is set for a fixed period of time that you choose, anywhere from 10 to 30 years, depending on your age and health. Many term life plans can be purchased without the need for a physical exam. We offer several term life options; including living benefits and return of premium options so that the coverage you select best matches your current and future needs of your private family estate. 

Living with Diabetes Shouldn't Mean Living Without Protection. Whether you are managing Type 1 Diabetes, Type 2 Diabetes, taking Insulin, prescribed medication, or have been told "you may not qualify" before - there may still be options available to help protect your family, your home, and your future. Youve worked hard for what matters. Your protection strategy should work just as hard for you. That's why we look forward to connecting with you in the near future.

Final expenses are costs that arise at the time of a person’s death, including burial costs and medical expenses. Final Expense is a whole life insurance policy designed to pay off these expenses upon death and enables families to properly grieve their loved ones without the burden of large debts or unplanned costs. Don't let your loved ones inherit financial chaos on top of grief and loss, schedule a time for us to connect and let's talk about your concerns and possible solutions for putting somthing in place that will give you hope, peace of mind, and the protection you really need.

Final expenses are costs that arise at the time of a person’s death, including burial costs and medical expenses. Final Expense is a whole life insurance policy designed to pay off these expenses upon death and enables families to properly grieve their loved ones without the burden of large debts or unplanned costs. Don't let your loved ones inherit financial chaos on top of grief and loss, schedule a time for us to connect and let's talk about your concerns and possible solutions for putting somthing in place that will give you hope, peace of mind, and the protection you really need.

Final expenses are costs that arise at the time of a person’s death, including burial costs and medical expenses. Final Expense is a whole life insurance policy designed to pay off these expenses upon death and enables families to properly grieve their loved ones without the burden of large debts or unplanned costs. Don't let your loved ones inherit financial chaos on top of grief and loss, schedule a time for us to connect and let's talk about your concerns and possible solutions for putting somthing in place that will give you hope, peace of mind, and the protection you really need.

Our Juveniles "SmartStart" life insurance program provides life insurance coverage for your child, coupled with a cash value savings component, which is certainly a smart start.  Some insurance organizations and professionals are simply trying to sell you proprietary insurance products to earn commissions. We don’t believe there are any one-size-fits-all solutions, and we don’t sell our own products. Instead, we take the time to understand your financial situation, your goals for the future and your budget to help you find a policy that is a perfect fit. There are no medical exams, fluids, or nurse visits required to get your children affordable coverage and you the peace of mind you desire.

A home mortgage is typically any American family’s biggest investment and their largest monthly expense. Mortgage protection insurance is more than just a safeguard, it’s an investment into your family’s future. With the proper coverage, you can rest easy knowing your family will never lose their home, even if an unthinkable tragedy should occur. We will make the mortgage payments for a critical period of time (6, 12, 18, 24, 36 Months) to ensure you have time to grieve properly, protect the equity in the property, and secure the asset within the estate - within the family trust, avoiding probate. Give your family the gift of Security & Financial Peace of Mind for their Future when they'll have to learn to do live without you - allowing them to celebrate your life, family and legacy forever! 

Planning for retirement, whether that’s five years away or 25 years down the road, is something each of us needs to consider. Making smart choices about how much money you save, and what retirement planning savings vehicles you use, can mean the difference between having the income you need in retirement to live the lifestyle you want, or struggling financially. 

Most Families Aren't Unprepared on Purpose. It's just Life Happens before they least expect or planned for it. Days Turn into Years, Responsibilities Stack Up. Providing for Today Becomes the Priority. Yet...One Question Quietly Lingers Beneath It All: "If something happened... what would actually happen to my family?"  Without a plan, the answer is uncertain; and uncertainty is where financial stress begins, and when compounded with grief, is devastation that would derail anyone. 

Take my hand and let me guide you down the path of courageous conversations, the ones that really matter as it relates to your life, family, and legacy.  We help families get qualified and protected with simplified life insurance; meaning we help families protect their income earning ability, home equity, and assets under management - so they are secure no matter what happens in this wild world. 

Regardless of your age, background or life experience we can help anyone 15 days old to age 80. We offer our clients access to Subject Matter Experts for Safe-Money Retirement, as well as, the Debt-Free Life program. Schedule a FREE Consultation. Available Days, Evenings, Nights and Weekends by Appointment Only. We believe in Client Confidentiality and Will Work to Find a Date/Time/Location that Works for Your Busy Schedule. Referrals are always welcomed and greatly appreciated. 

There comes a point in everyones lives where they know that they need to make changes, take chances, and bet on themselves to somehow change the trajectory, outcomes, and income earning ability. Sometimes, things appear in our lives when we least expect it, and sometimes appears to good to be true, but that experience serves as a seed that grows inside our soul, into our hearts, and eventually into our lives. Doing something you've never been done often creates anxiety and stress because you know somethings is not right and you don't know what to do" Peace comes from knowing you've completed, what needs to be done. Our goal is to help you remove any anxiety, uncertainty, and further delay in securing financial hope and peace of mind.

What if you reading these words on this page, are the sign that you've been looking for, serving as confirmation that "things are going to be ok" that no matter what happens "it's all going to be ok" and learning to let go of all that we've known, experienced or held on to for as long as we can remember - we become ok with learning how to live the adventure of life in new, profound and purposeful way. Every day, we rise to become 1% better... because we value, honor, and respect ourselves enough to walk forward into whatever the future may hold. Given the right timing, this may very well be the answer to prayer that you have been waiting for. Do what you need to do for your family, because your worthy to love them beyond this life. You are on your journey to live you best life and please remember YOUR LEGACY MATTERS. 

We're here to help you protect it, live it, and own it...We are here to help anyone of your family and friends; 15 days old to age 80, get protection and peace of mind put in place. We are available by appointment: mornings, afternoons, evenings and weekends. Let's coordinate a time to talk in the near future. We honor client confidentiality and will work with you to find a time that accommodates your current lifestyle schedule....thanks in advance for the Referrals. 

Our Agency is special because we have access to Special State Approved Programs for Previously Declined and/or Underserved Individuals and their Families who have NOT explored their options or DO NOT have an ACTIVE POLICY, because they think: 

• "I'll be declined."
• "It's too expensive!"
• "Because I take Insulin, I won't qualify."
• "Nobody will approve me."

That's not always the case. Depending on your health profile, medications, lifestyle, and overall management plan, there may be simplified life insurance options available - designed to help individuals with diabetes obtain meaningful coverage.  We help our clients navigate options thoughtfully, honestly, and strategically. We can help anyone 15 days old to age 80 get protected. 

Not all Insurance Carriers view Diabetes and Ailments the Same Wat. Factors that may influence eligibility and pricing can include: 

• Type of Diabetes
• Age at Diagnosis
• Medication & Treatment History
• A1C Management 
• Smoking/Nicotine Use
• Lifestyle & Health History
• Complications or CoMorbid Conditions
• Recent Medical Events or Hospitalizations

Choosing the wrong path can lead you to frustrations, delays, and unnecessary declines. Our Field Underwriters are here to help you get qualified and protected. For many families managing diabetes, protection isn't only about what happens someday. It's about protecting what matters today. We truly do personalize the process for getting you qualified and approved for coverage. Great news is "simplified" means no medical exams, blood/fluid draws, nurse visits, etc...so let's talk and get protected.

Our Approach is super simple, we have a few basic health and financial questions. We listen to hear your heart, vision, and desired outcomes. There's no pressure, no confusion, just us having honest, courageous conversations. Remember, my team and I represent the insurance carriers, but we work for you! 

We will work together to mutually discover whatever solutions may be available based on your health profile, goals, and carrier considerations. We are here to help you protect what matters most: family, home, income, equity, assets, and the estate. Schedule a FREE 15 Min. Consultation.