Term life
Affordable coverage for a set number of years, usually matched to your mortgage or the years your children are at home.
Life insurance that protects your family's future
Luis helps you decide how much coverage your family needs and then compares life insurance carriers to find the best price for your age and health.
What's covered
Coverage Luis can build for you
Whole life
Permanent coverage with level premiums and guaranteed cash value that grows over time.
Universal life
Permanent coverage with flexible premiums and a death benefit you can adjust as your needs change.
Final expense
Smaller permanent policies that cover funeral costs and final bills so your family is not left paying them.
No-exam options
Some carriers can approve coverage with health questions instead of a medical exam, often within days.
Business life insurance
Key person and buy-sell coverage that protects a business if an owner or key employee dies.
Why Rossi
Shopped across carriers, handled by one agent
Luis compares companies including the life carriers available through BackNine, and Ethos so you see real options, not a single price.
More than one price
Instead of one company's quote, you see options from several carriers side by side.
Re-shopped when rates rise
If your renewal jumps, Luis can move you to another carrier and keep handling your account.
Help when you file a claim
Call Luis first. He helps you report it and follows up with the carrier. Se habla español.
Questions
Frequently asked questions
How much life insurance do I need?
A common starting point is enough to replace several years of income, pay off the mortgage and other debts, and fund goals like college. Luis will walk through your numbers with you.
What is the difference between term and whole life insurance?
Term life covers you for a set period, such as 20 or 30 years, and costs less. Whole life lasts your entire life and builds cash value, but premiums are higher.
Can I get life insurance without a medical exam?
Often, yes. Several carriers offer no-exam policies based on health questions and records. Luis can tell you which ones fit your age and coverage amount.
Is life insurance through work enough?
Group coverage through an employer is usually limited, often one or two times salary, and typically ends if you leave the job. Many people add an individual policy they own.
Not sure what you need? Luis will walk you through it.