Retirement, annuities and Premium Finance for Latino and American families, with an advisor who explains everything in your language.
You came to New York 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 insuranceLatino 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 insuranceSo 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.
RetirementBuy-Sell agreements, key person coverage and Premium Finance: the bank lends for the premiums so you do not have to sell your assets.
Premium FinanceThere is no single price: it depends on your age, your health, the coverage and the type of insurance. Term insurance is the lowest-cost option; permanent coverage costs more, but it can also help with retirement and leaving a legacy.
In a free conversation, Carolina adds up your debts, household expenses and your children's goals, subtracts what you already have and shows you the coverage that makes sense for your budget.
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.
And with Living Benefits, your policy also responds while you are alive in case of a terminal, chronic or critical illness.
If the policy's index, such as the S&P 500, falls during a period, the interest credit is 0%: your cash value does not lose because of the drop. When the index rises, part of the gain is credited, subject to caps and participation rates.
Note: the floor protects against a drop in the index, not against policy charges.
Read the life insurance guide →With 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 guide →Liquidity for estate costs without selling assets at a loss, and passing on your legacy with maximum tax efficiency.
With Premium Finance, a bank lends the money to pay the premiums of a high-value policy, so you do not have to sell or touch your capital. It requires a net worth of at least $5 million and good credit: the bank sets that requirement. 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.
Pick an office on the map and open the route in Google Maps.
Yes. Carolina Ahumada serves clients in Spanish and English in Manhattan and in Melville (Long Island), 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.
There is no single price: it depends on your age, your health, the coverage and the type of insurance. Term insurance is the lowest-cost option; permanent coverage costs more, but it can also help with retirement and leaving a legacy.
In a free conversation, Carolina adds up your debts, household expenses and your children's goals, subtracts what you already have and shows you the coverage that makes sense for your budget.
It is a strategy in which a bank lends the money to pay the premiums of a high-value policy, so you do not have to sell or touch your capital. It requires a net worth of at least $5 million and good credit: the bank sets that requirement. That minimum applies only to Premium Finance.
Our other solutions have no minimum net worth: FlexLife IUL for families and professionals, Driver annuities from $25,000 and G-Series Term as the lowest-cost entry point. Premium Finance carries risks such as rising rates or additional collateral calls.
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.
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.
