Living Benefits | Life Insurance in Florida | UNIVISTA INSURANCE

Living Benefits

Living benefits offer financial protection for an unforeseen health event.

Univista Insurance offers you the financial security and peace of mind in case one of these events occur.

In a nutshell: “Life insurance you don’t have to die to use”

familia asegurada

Free Quote

Get an affordable insurance quote. Offering the best insurance at incredible prices.

Or Call Now (305) 995-0032

Did you know, that every 40 seconds, a person in the US is diagnosed with cancer, a stroke or a heart attack? These unprecedented life events can prevent one from continuing to work that consequently leads to financial despair in covering daily expenses.

Analize this:

1. I insure my car to protect the car company that sold it to me.
2. I insure my home to protect the bank that originated my loan.

Ask yourself:

1. If I had a machine to make money in my house, would not that be the first thing I would insure?
2. And who is that machine in your house? YOU!

Let a specialized agent to show you how affordable it is to acquire this protection. By completing the free quote form with your name and phone number we’ll can contact you as soon as possible.

Consider these facts:

This life insurance with living benefits not only protect your family, but you protect yourself in case of an event of this kind.

With the help of an agent we can help you design a life insurance policy with living benefits according to your financial means.

You will also have the opportunity to value how to use your life insurance as a strategy to obtain a “tax free” retirement plan or as a source of money to cover the costs of your children’s studies “college planning”.

family health

“Nicholas, married and with two children, suffers a severe heart attack at age 54. He uses the critical illness clause (Benefit Clause 3 Advancing -ABR3-). So he can use that money to cover his medical expenses and pay the family mortgage.”


“Isaac who had less than two years to live. Through the terminal illness clause (Advanced Benefit Clause) he chose to access the total death benefit to enjoy life to the fullest during his last two years.”


“Sophie at 79 develops a chronic illness and enters a nursing home. The chronic illness clause allows you to help pay for the nursing home and other medical expenses.”


“Juan and Maria are parents of Antonio, who is about to begin his university studies. Through loans and withdrawals, you can access the amount accumulated in your policy to offset tuition payments.”

Everyone’s goal in life is to have their income higher than their expenses. Two things may happen when you have a chronic or critical illness. One is that your income goes down. You are going to have time off of work and you will need time to recover. The second thing that may happen is that you will have increased expenses. Even if you have the best health insurance policy available, you will have co-pays and deductibles and possibly medicine that health insurance will not cover. So what ends up happening is that you create debt or spend your savings.

The beauty of the living benefits is that the insured has access to benefits to help offset the increased expenses and decreased income. This in turn in most cases allows you to keep the gap between your expenses and your income.

We all want to provide love and protection to those that depend on us for everything. One of the main attributes of the typical hero is to provide help when it’s most needed. That’s how we look at life insurance…Life insurance coverage isn’t about you. It’s the ultimate gift of love – a legacy that you can provide to the ones who matter most to YOU. Whether you are there or not, they can continue to live, grow, and achieve.

Let’s get started. We’ll have you back to your super hero duties in no time…

Get the information you need to choose the right coverage for you!
Speak to a Licensed Univista Insurance Agent Today!
Call now! (305) 995-0032

What type(s) of Insurance(s) do you need?

Let us help you make the right decision by finding affordable car insurance that suits your needs. Riding with you wherever you go.

One of the largest investments you can make is your home. UniVista helps you find the best coverage. Your home shelters you, we shelter your home.

UniVista Insurance is ready to assist you in identifying all your potential commercial insurance. Protecting you is our business.

Think about tomorrow and let UniVista Insurance help you get life insurance. We value your life.

We help you find tailored health insurance options that best suit your needs from multiple companies. Building healthy relationships.

We help you find tailored health insurance options that best suit your needs from multiple companies. Building healthy relationships.