Get Custom-Tailored Coverage for Your Needs:
Simplify Life Insurance Today
귀하의 필요에 맞는 맞춤형 보험 상품을 선택하세요.생명보험을 보다 알기 쉽게 만나 보세요!
Step 1
See your options
옵션을 살펴보세요
Step 2
Pick the right options for you목적에 맞는 적합한 옵션을 선택하세요
Step 3
Apply and go through underwriting process
신청서를 작성하고 심사 과정을 진행하세요.
Step 4
Enjoy peace of mind of knowing you have best plan for you
귀하에게 가장 적합한 계획이 완성이 되었습니다! 마음의 안정을 누리세요
Step 1:
1단계
See your options
옵션을 살펴보세요
Step 2:
2단계
Pick the right options for you
목적에 맞는 적합한 옵션을 선택하세요
Step 3:
3단계
Apply and go through underwriting process
신청서를 작성하고 심사 과정을 진행하세요
Step 4:
4단계
Enjoy peace of mind of knowing you have best plan for you
귀하에게 가장 적합한 계획이 완성이 되었습니다! 마음의 안정을 누리세요
Get Clarity on Life Insurance: Discover the Policy for You
생명보험에 대해 명확한 이해를 갖고, 귀하에게 맞는 보험 상품을 발견하세요
HASSLES OF BUYING LIFE INSURANCE
What are the different kinds of life insurance, and how can I pick the one that's best for me and my family?
생명보험에는 어떤 종류가 있으며, 어떻게 나와 가족에게 가장 적합한 것을 선택할 수 있을까요?
I heard I need medical exams; can I avoid them?
생명보험을 가입하려면 의료 검사가 필요한데, 이를 피할 수 있을까요?
What forms do I need to fill out to get life insurance, and how can I make sure I fill them out correctly and quickly?
생명보험 가입을 위해 어떤 양식을 작성해야 하며, 어떻게 올바르고 신속하게 작성할 수 있는지 알려주세요.
How long does it take to get approved for life insurance, and what can affect how long it takes?
생명보험 가입 승인까지 얼마나 시간이 걸리며, 어떤 요인이 시간에 영향을 미칠 수 있는지 알려주세요?
How much does life insurance cost, and how can I make sure I can afford it?
생명보험의 비용은 얼마나 들며, 내가 충분히 감당할 수 있을 금액으로 설계할 수 있을까요?
What are some important things to look for in a life insurance policy, and how can I make sure I understand what it all means?
생명보험 계약서에서 주의해야 할 중요한 사항은 무엇이며, 어떻게 모든 내용을 이해할 수 있을까요?
With so many different options and opinions about life insurance, how can I figure out which policy is the best fit for me and my family?
너무 다양한 생명 보험 옵션과 의견이 존재하기 때문에, 어떻게 나와 내 가족에게 가장 적합한 보험 상품을 결정할 수 있을까요?
WHAT POLICY DO I NEED?
나에게 맞는 보험 상품은?
Only Want to Cover Final Expenses
장래 비용만을 보장하고 싶습니다
Final Expense Policy
장래 비용보험
Low Budget or Temporary Need
낮은 예산 또는 기간성 보험 상품
Term
기간성보험
Do you want a Permanent Policy and don’t mind paying as long as you need it?
종신(평생)보험에 관심이 있으며 필요한 만큼 지불하는 것에 문제가 없으신가요?
Guaranteed Universal Life
보장 유니버설 보험
Do you want to have cash value that you can borrow against if needed?
필요한 경우 활용할 수 있는 현금 가치를 가지고 싶으신가요?
Whole Life/ Index Universal Life
인덱스 유니버설 보험
Only Want to Cover Final Expenses
장래 비용만을 보장하고 싶습니다
Final Expense Policy
장래 비용보험
Low Budget or Temporary Need
낮은 예산 또는 기간성 보험 상품
Term
기간성보험
Do you want a Permanent Policy and don’t mind paying as long as you need it?
종신(평생)보험에 관심이 있으며 필요한 만큼 지불하는 것에 문제가 없으신가요?
Guaranteed Universal Life
보장 유니버설 보험
Do you want to have cash value that you can borrow against if needed?
필요한 경우 활용할 수 있는 현금 가치를 가지고 싶으신가요?
Whole Life/ Index Universal Life
인덱스 유니버설 보험
What’s the game changer in the insurance industry?
보험 업계의 큰 혁신을 가져온 것은 무엇인가요?
ACCELERATED DEATH BENEFIT RIDERS
바로 보험급 선지급 특약인 “리빙 베네핏”입니다
Basically, if you get sick with a serious illness like cancer or a heart attack, you can use the Accelerated Death Benefit Rider to get a portion of the money from your life insurance policy to help pay for your medical bills or other expenses.
And here's the really exciting part: you don't have to pay it back! That's right, it's not a loan, it's your own money that you're just getting a little early:
기본적으로, 암이나 심장 마비와 같은 심각한 질병에 걸린 경우, 보험금 선지급 특약을 사용하여 캐쉬벨류와 상관없이 사망 보험금의 일부(up to 100%)를 받아 의료 비용이나 기타 경비에 사용할 수 있습니다
그리고 여기 정말 흥미로운 부분이 있습니다. 상환할 필요가 없다는 것입니다! 맞습니다, 이것은 대출이 아니라 사망 보험금을 미리 받는 당신의 돈입니다
Living Benefit
Terminal Illness Rider
말기 질환 특약
Qualifying conditions:
자격 조건
If an eligible insured is diagnosed with an illness or condition that is expected to result death within 24 months or less.
12~ 24개월 이내에 사망으로 이어질 것으로 예상되는 질병이나 상태로 진단받은 경우.
Available on all rate classes.
Chronic Illness Rider
만성 질환 특약
Qualifying conditions:
자격 조건
If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.
적어도 90일 이상 2가지의 일상 생활 동작을 수행할 수 없거나, 심한 인지 장애로 인해 건강이나 안전에 위협이 되는 경우, 혹은 계속적인 감독이 필요한 경우.
The ADLs include bathing, continence, dressing, eating, toileting, and transferring.
일상 생활 동작(ADL)에는 목욕, 대소변 통제, 의복 착용, 식사, 화장실 이용, 이동이 포함됩니다.
Critical Illness Rider
중증 질병 특약
Qualifying conditions:
자격 조건
If an eligible insured is diagnosed with critical illness.
중증 질병으로 진단받은 경우.
See rider for complete list of critical illnesses and definitions. Covered critical illnesses may include:
보장되는 중증 질병은 다음과 같을 수 있습니다:
Heart Attack 심근경색(심장마비)
Stroke 뇌졸중
Invasive cancer 침습성 암 (유방암)
End-stage renal failure 말기 신부전
Major organ transplant 주요 장기 이식
ALS 근위축성 측삭경화증 (루게릭병)
Blindness 실명
Paralysis 마비
Arterial aneurysms 대동맥류
Central nervous system tumors
중추신경계 종양
Severe disease of any organ(resulting in significantly altered life expectancy)
임의의 기관의 중증 질환(예상 수명에 큰 영향을 주는)
Major burns (>40%BSA, 3rd Degree)
심각한 화상 (>40% 체표면 면적, 3도 화상)
Loss of Limbs 사지 손실
* Qualifying conditions vary by the company offering coverage
자격 조건은 보험 상품을 제공하는 회사에 따라 다를 수 있습니다.
Living Benefit생존 혜택
Qualifying Conditions 자격 조건
Terminal
Illness Rider
말기 질환 특약
If an eligible insured is diagnosed with an illness or condition that is expected to result death within 24 months or less.
12~ 24개월 이내에 사망으로 이어질 것으로 예상되는 질병이나 상태로 진단받은 경우.
Chronic
Illness Rider
만성 질환 특약
If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.
적어도 90일 이상 2가지의 일상 생활 동작을 수행할 수 없거나, 심한 인지 장애로 인해 건강이나 안전에 위협이 되는 경우, 혹은 계속적인 감독이 필요한 경우.
The ADLs include bathing, continence, dressing, eating, toileting, and transferring.
일상 생활 동작(ADL)에는 목욕, 대소변 통제, 의복 착용, 식사, 화장실 이용, 이동이 포함됩니다.
Critical
Illness Rider
중증 질병 특약
If an eligible insured is diagnosed with critical illness.
중증 질병으로 진단받은 경우.
Covered critical illnesses may include:
보장되는 중증 질병은 다음과 같을 수 있습니다:
Heart Attack 심근경색(심장마비)
Stroke 뇌졸중
Invasive cancer 침습성 암 (유방암)
End-stage renal failure 말기 신부전
Major organ transplant 주요 장기 이식
ALS 근위축성 측삭경화증 (루게릭병)
Blindness 실명
Paralysis 마비
Arterial aneurysms 대동맥류
Central nervous system tumors 중추신경계 종양
Severe disease of any organ(resulting in significantly altered life expectancy)
임의의 기관의 중증 질환(예상 수명에 큰 영향을 주는)
Major burns (>40%BSA, 3rd Degree) 심각한 화상 (>40% 체표면 면적, 3도 화상)
Loss of Limbs 사지 손실
* Qualifying conditions vary by the company offering coverage
자격 조건은 보험 상품을 제공하는 회사에 따라 다를 수 있습니다.
Here are some of my clients who've accelerated their death benefits.
다음은 리빙 베네핏 혜택을 받은 몇몇 고객들입니다.
How would you feel if you received a check this size to take care of you when you need it most?
가장 필요한 시기에 나의 필요한 경제적 지출을 도울 수 있는 이 정도 크기의 수표를 받는다면 어떤 기분이 드실까요?
TESTIMONIALS
Adam Shamam
"Jon kept searching for what I wanted until he found the coverage that I both wanted and needed. Until this day he updates me whenever there are changes that can be made to benefit my financial goals further! Thank YOU, Jon!"
Charles Lee, Esq. & Dr. Nicole Na
"We highly recommend Jon Loyhayem as a life insurance planner. He took the time to thoroughly educate us on the different options available and helped us find a plan that not only provided more benefits but also greater value compared to what we were previously paying for the past few years. We were truly blown away by his expertise and dedication to finding the best solution for our needs. Thanks to Jon, I now have peace of mind knowing that my loved ones are protected."
Dr. Isaac Kashani
(Lasting Impressions Dental Spa)
"As a dentist who owns a practice, it is crucial that I have the right life and disability insurance coverage in place to protect my family and my practice. I am grateful to have Jon Loyahyem as my insurance planer, as he has truly been the best agent for my needs. Not only does he have a thorough understanding of the insurance needs of dentists who own a business, but he also has the expertise to tailor a policy to fit the unique needs of a business owner. Jon is a reliable and trustworthy professional who always has his client’s best interests at heart. I highly recommend Jon Loyhayem to any dental business owner needing life insurance."
TESTIMONIALS
Adam Shamam
"Jon kept searching for what I wanted until he found the coverage that I both wanted and needed. Until this day he updates me whenever there are changes that can be made to benefit my financial goals further! Thank YOU, Jon!"
Charles Lee, Esq.
&
Dr. Nicole Na
"We highly recommend Jon Loyhayem as a life insurance planner. He took the time to thoroughly educate us on the different options available and helped us find a plan that not only provided more benefits but also greater value compared to what we were previously paying for the past few years. We were truly blown away by his expertise and dedication to finding the best solution for our needs. Thanks to Jon, I now have peace of mind knowing that my loved ones are protected."
Dr. Isaac Kashani
"As a dentist who owns a practice, it is crucial that I have the right life and disability insurance coverage in place to protect my family and my practice. I am grateful to have Jon Loyhayem as my insurance planer, as he has truly been the best agent for my needs. Not only does he have a thorough understanding of the insurance needs of dentists who own a business, but he also has the expertise to tailor a policy to fit the unique needs of a business owner. Jon is a reliable and trustworthy professional who always has his client’s best interests at heart. I highly recommend Jon Loyhayem to any dental business owner needing life insurance."
Below are just some of the companies we represents.
아래는 본 그룹이 제공하는 회사들 중 일부입니다.
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