Retirement, annuities and Premium Finance for Latino and American families, from our office in Hackensack.
411 Hackensack Ave
Hackensack, NJ 07601
Carolina Ahumada serves Latino and American families in Spanish and English and supports them at every stage.
Meet Carolina
You came to New Jersey to build something for your loved ones. Term insurance protects your family at the lowest cost, and in many cases you qualify without a full medical exam: ages 18 to 50, up to $3,000,000.
Life insurance →Latino and American families who built their lives here and now think about legacy: permanent insurance (IUL) lasts your entire life and builds cash value with a 0% floor.
Life insurance →So the money does not run out before you do: indexed annuities with guaranteed lifetime income and the option to move your 401(k) or IRA with a direct rollover.
Retirement →Buy-Sell agreements, key person coverage and Premium Finance: the bank lends for the premiums so you do not have to sell your assets.
Premium Finance →The best one is the one that fits what you need to protect.
Protects you for a fixed period, such as 10, 15, 20 or 30 years, and is the lowest-cost option.
Such as an IUL or whole life, it lasts your entire life and also builds cash value.
National Life Group's G-Series Term can be converted to a permanent policy with no medical exam, subject to policy conditions.
Your policy is more than a legacy: it includes accelerated benefit riders that give you access to funds during your lifetime upon serious health events.
Optional riders; availability and limits vary by state. Using living benefits reduces the death benefit and policy value. Read the life insurance guideWith an indexed annuity, your money grows linked to an index with a 0% floor, and with a lifetime income rider it can become guaranteed income for life. National Life Group's Driver series starts at $25,000.
If you have a 401(k) or an IRA, you can move it with a direct rollover, with no taxes withheld.
Read the retirement guideFor net worth of $5 million or more: a bank lends the money for the premiums of a high-value policy, so you do not have to sell or touch your capital. It carries risks such as rising rates or additional collateral calls.
Read the Premium Finance guide
Carolina Ahumada serves Latino and American families in Spanish and English and is a financial advisor licensed to offer insurance in New York, New Jersey and Florida. The first conversation is free and can be at the office, by phone, WhatsApp or video call.
Open the route in Google Maps and come to our office.
Get directionsThey are policy options that let you receive part of the death benefit while you are alive if you are diagnosed with a qualifying terminal, chronic or critical illness. You can use that money for treatment, debts or household expenses. At National Life Group they come with several products, such as G-Series Term and FlexLife IUL, depending on risk class and state. Whatever is accelerated reduces the benefit your family receives, and some options may carry a cost. Carolina explains which ones apply to your policy.
In many cases, no. With National Life Group's EZ Underwriting process, people ages 18 to 50 can qualify for up to $3,000,000 in coverage without a full medical exam; ages 51 to 60, up to $1,000,000; and ages 61 to 65, up to $250,000. The insurer evaluates your health and age and may ask for additional tests in some cases. If you need a fast decision, Rapid Protect IUL offers a 100% digital application for coverage from $50,000 to $500,000.
Yes. Carolina Ahumada serves clients in Spanish and English at her Hackensack office, and also by phone, WhatsApp or video call. She is licensed to offer insurance in New York, New Jersey and Florida; her National Producer Number (NPN) is 20269269.
The best one is the one that fits what you need to protect. Term insurance protects you for a fixed period and is the lowest-cost option; permanent insurance, such as an IUL or whole life, lasts your entire life and builds cash value; and G-Series Term can be converted to a permanent policy with no medical exam, subject to policy conditions.
Yes, with a direct rollover: you ask your plan administrator to send the money directly to another plan or to an IRA, and no taxes are withheld. If the money is paid to you, you have 60 days to deposit it into another plan or IRA, and a distribution from a retirement plan has a mandatory 20% withholding, even if you intend to roll it over. In general you pay no tax when you roll over; you pay it when you withdraw the money from the new plan. Buying an annuity inside an IRA or another tax-deferred plan does not give you additional tax benefits. Always review it with a qualified tax advisor.
