Life Insurance

The best Life Insurance for your family is one that ensures their security and stability in case of negative impact on your health or well-being. But this does not automatically mean death – depending on the case, beneficiaries may get the payout while the policyholder is still alive.

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Domestic and International Life Insurance

 

The best Life Insurance for your family is one that ensures their security and stability in case of negative impact on your health or well-being. But this does not automatically mean death – depending on the case, beneficiaries may get the payout while the policyholder is still alive.

Vitae Group offers policies that cover the financial needs of your loved ones in numerous ways. We represent prestigious, world-renowned life insurance companies headquartered in the USA* with one-hundred-plus years of excellence serving clients from multiple countries, including Brazil.

We offer both domestic and international life insurance. See below the different scenarios and their respective benefits:

* Because their operations are based in the U.S., the policies of the companies we represent are quoted in dollars.

 

Domestic Life Insurance

The American life insurance companies we represent offer policies with great benefits for American citizens, foreigners living in the U.S., or foreigners who have strong financial ties to the United States, such as:

  • Owning one or more residential or commercial real estate properties in the U.S.
  • Having a company headquartered in the United States that is financially stable (e.g., continuous revenue and hiring)

These do not necessarily require the policyholder’s death for the compensation to go through: some of the companies represented by Vitae Group guarantee that you will receive up to 90% of your insurance while still alive in the case of critical illnesses (even if you make a recovery), major accidents, or even disability.

 

Example: Mr. Smith was diagnosed with a life-threatening illness. Fortunately, he was treated in time and survived. The treatment lasted for months, forcing him to stop working and stop fulfilling other commitments. By borrowing 90% of the cash benefit, Mr. Smith and his family can support themselves for the time needed for their lives to be back on track.

International Life Insurance

Life insurance policies from the American companies represented by us assure the fulfillment of long-term plans to businesses and individuals living in Brazil or anywhere else in the world (excluding US residents). If the insured person passes away, they provide instant liquidity in U.S. dollars for the beneficiaries.

In the case of payout, the insurers that we represent guarantee that the beneficiaries will receive the sum to which they are entitled, regardless if there is a will, a probate process in place, or other conflicts over estates and assets that might arise. The person only needs to submit the required documentation successfully when requested.

 

Types of Domestic and International Life Insurances

Once you talk to our experts, we evaluate your case and offer the policies that best meet your needs and the needs of those whose future you want to ensure.

There are two main categories of Life Insurance:

Term – the most affordable option, term policies set how long you and your family want to be ensured for, as well as a fixed monthly payment. Once the term is up (provided no unforeseen events, such as illness or accident, have occurred), the insurance expires and can no longer be renewed.

 

Example: Mr. Jones wants to ensure his children’s education for the next 20 years until they have finished college. He takes out a policy lasting this same number of years and pays the premium, assuring his family will receive the payout as intended. Should anything happen to Mr. Jones, the insurance carrier will deliver the policy proceeds, safeguarding the plans of the Jones family.

 

Whole Life/Indexed Universal Life – These policies provide lifelong protection for you and your loved ones, with no expiration date. You can take the money that you put into the policy at any time. Should anything happen, the beneficiaries get the death benefit stated in the policy.

Permanent insurance guarantees a financial return on the cash value since the income earned is not taxable. The accumulated amount can be withdrawn*, or it will be collected by your beneficiaries immediately upon the policyholder’s death.

 

Example: Mr. Smith took out permanent insurance and now he makes a monthly payment into a policy to ensure that his family will get a predetermined amount once he dies. After Mr. Smith is gone, his beneficiaries will collect the tax-free death benefit within 30 days. If the policy has accumulated more capital, the sum will be higher than the preset amount.


* Income tax may apply depending on how the money is withdrawn

Are you looking to take out Life Insurance?

Please contact us for more information. Our experts are ready to answer your questions, hear about your situation, and offer the solution best suited to your circumstances.

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