Affordable Life Insurance for Your Peace of Mind

Find Your Rate Today

Hero Life an Assurity Product

Hero Insurance offers a Term plan up to $1 Million in coverage with riders and terminal illness , An accidental plan and stand alone Critical Illness Plan. This one is a little more flexible for those without the absolute greatest health history they offer a great solution for your needs.

Average Rates For Healthy 30 Year Old Male in 20 year Term:

$25,000 is $7 a month

$50,000 is $8 a month

$100,000 is $11 a month

$250,000 is $18 a month

$500,000 is $30 a month

$1,000,000 is $54 a month

Apply Now

Ladders Life

Hero Life an Assurity Product

Ladders offers a Term plan up to $3 Million with riders and living benefits ( Critical, Chronic and Terminal Illness). This carrier works best for healthy to moderate healthy people.

Average Rates For Healthy 30 Year Old Male in 20 year Term:

$100,000 is $12 a month

$250,000 is $17 a month

$500,000 is $22 a month

$1,000,000 is $52 a month

$1,500,000 is $74 a month

$2,000,000 is $97 a month

$2,500,000 is $134 a month

$3,000,000 is $160 a month

Apply Now

Fidelity Life

Hero Life an Assurity Product

Fidelity Life

Fidelity Life offers a Term plan up to $2 Million with riders and living benefits, An accidental Death and Guaranteed Issue for our not so healthy clients who have maybe been turned down in the past or told they were uninsurable.

Average Rates For Healthy 30 Year Old Male in 20 year Term:

$50,000 is $12 a month

$100,000 is $15 a month

$250,000 is $25 a month

$500,000 is $44 a month

$1,000,000 is $80 a month

Apply Now

Do I need life Insurance?

✅ If someone counts on your income = YES
✅ If you have debt =YES
✅ If you want to leave a tax free legacy = YES

✅ If you have children =YES

✅ If you owe on a mortgage =YES

✅ YES, YES, YES We will all pass away at some point. Unlike car and home owners insurance which you may never use. The question to ask is will your family receive a check to help tmove on when you do or will they receive the financial burden of covering your final expense and debt?

Different Types of Coverage for differnt needs

First Responder Life Insurance

At Cintron Insurance, we deeply value our families and are proud to work closely with many first responders. We understand that some carriers may increase your rates simply because of the risks you face on the job. With many in-house first responders on our team, we recognize the dangers of your work and the importance of having reliable coverage outside of your department. In the event of injury, or worse, we’re here to ensure your family is taken care of. It’s an honor to be there for your loved ones when tragedy strikes.

Final Expense Burial Insurance

Final expense insurance, also referred to as burial insurance, covers end-of-life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your beneficiary. This coverage can ensure that your loved ones aren't left with a financial burden, as the average funeral can cost $10,000 or more You can buy a final expense insurance policy at any age. However, these policies are often designed for adults who are 50 to 85 years old.

Mortgage Protection Insurance

Mortgage Protection insurance is an affordable term life insurance policy designed for home owners. You can choose how long you need coverage and find the rate that fits your budget. This type of insurance ensures your family can stay in the home in the event of death or significant income loss.

Retirement Protection Insurance

With today's rising inflation many hard working families are trying to be smarter about preparing for retirement. We have plans that can offer tax free gains with no risk of losing your hard earned money. If your retirement account were to take a 15%- 20% hit tomorrow how far back would that set you? Many experienced those hits in 2008 housing market crash and are still rebuilding. Don't be caught off guard and risk your retirement. Safeguard it with us today in a plan that that offers you only gains and no risk.

Our services

How Will Your Family Cover Funeral Expenses or manage day to day expenses without your income?

As of 2023, the national median cost of a funeral with a viewing and burial in the United States was $8,300, according to the National Funeral Directors Association (NFDA). This figure includes essential services such as transportation of the deceased, embalming, a metal casket, and the basic service fee for funeral directors and staff. For a funeral with cremation, the median cost was $6,280. —and that doesn’t include headstones, flowers, monuments, or outstanding debts and bills your loved ones may be left to handle.

Our agency is licensed in 40 states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, MT, NC, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, & WV. This means we can help families nationwide secure the financial protection they need.

Don't leave your family’s future at risk. Let us help you put a plan in place so that when the time comes, your loved ones receive a check—not just a stack of bills.

If you can afford a cup of coffee or dining out, you can afford peace of mind for your family. The real risk isn’t the cost of life insurance—it’s the financial crisis your loved ones could face without it. Let’s get your coverage in place today.

Schedule a consult

How Much Life Insurance Do You Really Need?

Life insurance is no longer just a death benefit—it’s a financial tool!

✅ Burial Plans : Make sure your family has the available funds to say their final goodbye with out breaking their bank.
✅ Build Tax Free Retirement Income: Take advantage of policies designed to help you grow your money for additional lifetime income.
✅ Protect Your Home: Explore our Mortgage Protection plans to secure your family’s future.

✅ Lock in your kids health today and grow college funds at the same time.

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.

Have a Question?

Want to speak to a licensed agent to help you find the right plan for you based on your needs?

We love our customers, so feel free to call us during normal business hours with your questions.

Cintron Insurance Agency

Covering 43 States Nationwide

Hours

Open today

09:00 am – 07:00 pm

Welcome to Cintron Insurance

Life Happens! We Help You Prepare For It Today With Life Insurance.

Find Your Rate Today

Hero Life an Assurity Product

Hero Life an Assurity Product

Hero Life an Assurity Product

Ladders Life

Hero Life an Assurity Product

Hero Life an Assurity Product

Fidelity Life

Hero Life an Assurity Product

Fidelity Life

Give us a call today

One of our licensed agents is standing by

What our clients say.

Different Types of Coverage for differnt needs

First Responder Life Insurance

Final Expense Burial Insurance

Mortgage Protection Insurance

Retirement Protection Insurance

Our services

Our Partner Carriers

More of Our Partner Carriers

How Much Life Insurance Do You Really Need?

Get Your FREE Quote Today

Frequently Asked Questions

Have a Question?

Want to speak to a licensed agent to help you find the right plan for you based on your needs?

Cintron Insurance Agency

Hours

Drop us a line!

Welcome to Cintron Insurance

Life Happens! We Help You Prepare For It Today With Life Insurance.

Find Your Rate Today

Hero Life an Assurity Product

Hero Life an Assurity Product

Hero Life an Assurity Product

Ladders Life

Hero Life an Assurity Product

Hero Life an Assurity Product

Fidelity Life

Hero Life an Assurity Product

Fidelity Life

Give us a call today

One of our licensed agents is standing by

What our clients say.

Different Types of Coverage for differnt needs

First Responder Life Insurance

Final Expense Burial Insurance

Mortgage Protection Insurance

Retirement Protection Insurance

Our services

Our Partner Carriers

More of Our Partner Carriers

How Much Life Insurance Do You Really Need?

Get Your FREE Quote Today

Frequently Asked Questions

Have a Question?

Want to speak to a licensed agent to help you find the right plan for you based on your needs?

Cintron Insurance Agency

Hours

Drop us a line!

This website uses cookies.