Your Family Deserves Protection. Let’s Find the Right Plan.

New Horizons Financial Services helps individuals, families, and business owners find affordable life insurance — with options that fit every budget and stage of life.

✓ Multi-Carrier Access✓ No Medical Exam Options✓ Free Consultation
LIVING BENEFITS

Protection That Works While You’re Still Here

Don’t raid your retirement. Don’t sell your home. Modern life insurance gives you access to funds when you need them most — while you’re still alive.

Cancer
Heart Attack
Stroke
Home
Car
Retirement
Family
Savings
47%Of Americans Have No Life Insurance
$0Cost for Your Free Life Insurance Consultation
DaysHow Fast Coverage Can Be Active — Not Weeks, Days
THE DIFFERENCE

Not All Life Insurance Is Created Equal

See how modern life insurance with living benefits compares to the old way of doing things.

Traditional Life Insurance

The old way — limited and outdated

Only pays when you pass away
No living benefits included
No critical illness coverage
Family must wait for death benefit
No access to funds during your life
Doesn’t protect retirement savings
Recommended

Modern Life Insurance

With living benefits — protection while you’re alive

Living benefits for cancer, heart attack & stroke
Access funds while you’re still alive
Critical illness coverage built in
Protects your retirement & savings
Keeps your home & assets safe
Peace of mind for you AND your family
Why Life Insurance Matters

Your Family’s Financial Future Shouldn’t Be Left to Chance.

If something happened to you tomorrow, could your family keep up with the mortgage, bills, and daily expenses? Life insurance ensures your loved ones are protected — no matter what.

Yet nearly half of Americans have no life insurance at all, and many who do are severely underinsured. Whether you’re relying on employer coverage or have no policy in place, the gap between what you have and what your family needs could be devastating.

Most People Are Underinsured

Nearly half of Americans don’t have enough life insurance to cover their family’s needs if something unexpected happens.

Employer Coverage Falls Short

Group life insurance through your job typically covers just 1–2x your salary — far less than most families need.

Rates Go Up Every Year

The younger and healthier you are, the less you’ll pay. Locking in coverage now can save you thousands over your lifetime.

Coverage Options

Life Insurance Plans Built for You

We shop multiple carriers to find the best coverage at the best rate for your situation. Here are the types of plans available to you.

Indexed Universal Life (IUL)

Permanent coverage with cash value growth tied to market indexes like the S&P 500 — with downside protection. Flexible premiums, tax-advantaged growth, and living benefits built in.

Kids Education: Use your policy’s cash value to help fund your children’s education — tax-advantaged and flexible. More details coming soon.

Term Life Insurance

Affordable coverage for a set period — 10, 20, or 30 years. Lock in low rates while you’re young. Ideal for covering mortgages, kids’ education, and income replacement.

Whole Life Insurance

Permanent coverage that never expires. Builds cash value over time that you can borrow against. Guaranteed death benefit for your beneficiaries.

Final Expense Insurance

Smaller, affordable policies designed to cover funeral costs, medical bills, and end-of-life expenses. No medical exam required in most cases.

Group Life Supplement

Your employer’s group policy may not be enough. A supplemental policy fills the gap and stays with you if you change jobs.

Guaranteed Issue Life

No health questions, no medical exams. Guaranteed acceptance regardless of pre-existing conditions. Coverage starts immediately.

Who This Is For

Life Insurance for Every Stage

Whether you’re just starting out or planning your legacy — there’s a right plan for where you are right now.

01

Young Professionals & New Families

Just starting out? Lock in low rates now while you’re young and healthy. Protect your growing family from day one.

What would happen to your family if your income disappeared tomorrow?

02

Mid-Career & Homeowners

Mortgage, kids’ education, retirement savings — there’s a lot riding on your income. Make sure your family is covered if something happens.

Is your coverage keeping up with your life?

03

Approaching or In Retirement

Need final expense coverage, estate planning support, or a policy to leave a legacy? We’ll find the right fit for your situation.

Does your coverage survive your career?

04

College Planning

Life insurance can be a great college planning tool. IUL policies build tax-advantaged cash value you can use for tuition, books, and living expenses — without the restrictions of a 529 plan.

Give your kids a head start without sacrificing your financial security.

How It Works

Three Simple Steps to Peace of Mind

We make getting life insurance as easy as possible — so you can focus on what matters most.

1

Free Consultation

Tell us about your family, your goals, and your budget. We’ll ask the right questions so we can find the right fit — no pressure, no obligation.

2

Compare Plans

We shop multiple A-rated carriers to find you the best coverage at the best rate. You’ll see clear options side by side — no confusing jargon.

3

Get Covered

Easy application, fast approval. Many plans require no medical exam. Coverage can be active in days — not weeks. Your family is protected.

What Our Clients Say

Real Clients. Real Peace of Mind.

“

“I’d been putting off life insurance for years. Rigo made it so easy — I got approved with no medical exam and my family is finally protected.”

Maria G.

Maria G.

Mother of Three, Houston TX

“

“I needed a policy that covered my family and my business. Rigo found me a plan that did both at a price I could actually afford.”

James T.

James T.

Small Business Owner, San Antonio TX

“

“I wanted to make sure my grandchildren were taken care of. Rigo set me up with a whole life policy that gives me complete peace of mind.”

Linda R.

Linda R.

Retired Professional, Fort Worth TX

Free Coverage Review

Let’s Find the Right Plan for You

Answer a few questions and we’ll match you with the best coverage options for your budget.

Free review. No obligation. No spam.
New Horizons Financial Services | (469) 831-2672 | robert@newhorizonsbenefits.com