Question 1

What is life insurance with living benefits?

Accepted Answer

Living benefits are provided by no-additional-premium accelerated benefit riders on a life insurance policy. They can let you access part of your benefit while you are still living if you experience a qualifying critical, chronic, or terminal illness (in applicable states), rather than only paying out after death.

Question 2

Which insurance carriers does Cecile Villacorta represent?

Accepted Answer

Villacorta Insurance Services represents multiple carriers, including Ethos, North American, Augustar, Athene, Nationwide, Corebridge Financial, Quantum, Allianz, Annexus, American National, Prudential, Mutual of Omaha, AIG, Foresters Financial, Security Benefit, and other companies — selecting products to fit each client's goals.

Question 3

What areas does Cecile Villacorta serve?

Accepted Answer

Cecile M. Villacorta is a licensed insurance agent in California (CA Lic. #0L99919) and is also licensed in additional states.

Question 4

What services does Villacorta Insurance Services offer?

Accepted Answer

Services include Financial Needs Analysis, Insurance Policy Review, Life Insurance with Living Benefits, Mortgage Protection, Term Life Insurance, Final Expense Planning, Debt Management, Wills and Trust Referrals, Indexed Annuities. A complimentary financial needs analysis and a no-cost review of existing policies are also available.

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