Cintron Insurance Agency

Find the Coverage That Fits Your Life

👨‍👩‍👧 Families & Income Protection

🚒 First Responders & High-Risk Careers

Coverage to protect your spouse and children.

Getting Covered Is Simple

Step 1
Answer a few quick questions

Step 2
Select Your coverage amount

Step 3
Get approved and activate coverage

Apply Now

🚒 First Responders & High-Risk Careers

Coverage built for firefighters, law enforcement, and EMTs.

Getting Covered Is Simple

Step 1
Answer a few quick questions

Step 2
Select Your coverage amount, it defaults to $250,000 simply hit customize and you can select coverage amount

Step 3
Get approved and activate coverage

Apply Now

👵 Senior & Final Expense Plans

🚒 First Responders & High-Risk Careers

👵 Senior & Final Expense Plans

Affordable coverage for ages 50–85.

Getting Covered Is Simple

Step 1
Answer a few quick questions

Step 2
Select Your coverage amount

Step 3
Get approved and activate coverage

Apply Now

🏠 Mortgage Protection

👵 Senior & Final Expense Plans

Make sure your home is paid off if something happens.

Getting Covered Is Simple

Step 1
Answer a few quick questions

Step 2
Select Your coverage amount

Step 3
Get approved and activate coverage

Apply Now

Guaranteed Issue

🏠 Mortgage Protection

Guaranteed Issue

You cannot be declined for medical conditions.

Getting Covered Is Simple

Step 1
Answer a few quick questions

Step 2
Select Your coverage amount

Step 3
Get approved and activate coverage

Apply Now

Accidental Death

🏠 Mortgage Protection

Guaranteed Issue

Accidental Death is the 3rd Cause of Death in the USA. You cannot be declined for medical conditions and it's a very inexpensive way to fill any gaps.

Getting Covered Is Simple

Step 1
Answer a few quick questions

Step 2
Select Your coverage amount

Step 3
Get approved and activate coverage

Apply Now

Need Coverage?

Looking for life insurance that actually works for you? We’ve got a game changer.

We now offer a term life plan that not only protects your family—but also builds cash value AND ends with a fully paid-up whole life policy after 10, 15, 20, or 30 years. 🙌

✅ Pay for a set term
✅ Build cash value
✅ Get lifetime coverage after the term ends
✅ No more payments for life!

This is a rare, powerful option only a few agencies have access to it. Call us or call today to see if it’s available in your state.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

Will I Need A Medical Exam?

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.

Do I Need Coverage If I Have It Through My Employer?

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.

I Have Major Medical Conditions Can I Still Get Coverage?

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.

What is a ROP (Return of Premium ) Option?

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.

What Does Paid Up Mean?

"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.

Is Accidental Death Insurance a Waste?

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.

Can I Borrow or Take Money Out Of My Life Insurance Policy?

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

Is Life Insurance An Asset Class?

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.

Welcome to Cintron Insurance

Coverage for Families, Seniors, Homeowners, & First Responders. No Exam

Find the Coverage That Fits Your Life

👨‍👩‍👧 Families & Income Protection

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

👵 Senior & Final Expense Plans

🚒 First Responders & High-Risk Careers

👵 Senior & Final Expense Plans

🏠 Mortgage Protection

🏠 Mortgage Protection

👵 Senior & Final Expense Plans

Guaranteed Issue

🏠 Mortgage Protection

Guaranteed Issue

Accidental Death

🏠 Mortgage Protection

Guaranteed Issue

What our clients say.

Get Enrolled Today

Some Of Our Partner Carriers

Need Coverage?

Frequently Asked Questions

Welcome to Cintron Insurance

Coverage for Families, Seniors, Homeowners, & First Responders. No Exam

Find the Coverage That Fits Your Life

👨‍👩‍👧 Families & Income Protection

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

🚒 First Responders & High-Risk Careers

👵 Senior & Final Expense Plans

🚒 First Responders & High-Risk Careers

👵 Senior & Final Expense Plans

🏠 Mortgage Protection

🏠 Mortgage Protection

👵 Senior & Final Expense Plans

Guaranteed Issue

🏠 Mortgage Protection

Guaranteed Issue

Accidental Death

🏠 Mortgage Protection

Guaranteed Issue

What our clients say.

Get Enrolled Today

Some Of Our Partner Carriers

Need Coverage?

Frequently Asked Questions

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