What is Life Insurance?

Life insurance provides money, known as a death benefit, to those you leave behind. In the event of your death, it helps your family maintain their lifestyle and future goals, like sending your children to college. It can also pay for final expenses, pay off debts, or even be left to your favorite charity.


You can protect your family and their lifestyle from the unexpected with a life insurance certificate from Luso-American. Our life insurance products are designed to meet your changing needs and can provide a solid financial base for you and your family.


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What is Whole Life Insurance?

Whole Life insurance, also known as permanent life, forms the basis of most individuals' life insurance programs. Permanent life insurance can provide lifelong protection with guaranteed premiums and cash value with these features:


  • Tax-deferred growth at competitive interest rates

  • Cash accumulation

  • Lifetime protection at level premiums

  • Easy access to your money through policy loans or withdrawals


Luso-American Financial offers 3 types permanent life insurance products: 

What is Term Life Insurance?

Term life insurance provides coverage for a specified period of time or term. It is ideal choice for those who need protection for a fixed period of time or do not have the financial resources to buy permanent life insurance.


Luso-American Financial offers several term plans:

Glossary of Insurance Terminology