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My name is Tom Poblano, and I am here to help the people of Hawaii obtain the right life insurance plan. I take special pride in assisting our residents because I appreciate the sense of Aloha and Community that our Islands are known for.

So, you’ve probably figured it out, but just in case…

I am here to help the people of Hawaii obtain the right life insurance plan. I take special pride in assisting our residents because I appreciate the sense of Aloha and Community that our Islands are known for.

 

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Life Insurance for Hawaii – Your Local Hawaii Life Insurance Agent

Hawaii Life Insurance Plans

I am pleased to offer life insurance plans for the residents of the State of Hawaii. As a local agent who lives and works in Hawaii ( I am located on the Big Island in Waimea) I want to provide localized service to handle the needs of our local residents.

Not all carriers are in every State. My quote modules and the carriers I use , allow me to handle transactions on any of our Islands.

The best news of all, my carriers all accept over the phone and/or online applications. This means, regardless of where you live in the State of Hawaii, we can get you covered.

The product lines that I offer are:

High-Risk Life Insurance Plans –  If you have a more moderate to a severe pre-existing health condition, I work with many carriers that can possibly offer coverage for a variety of pre-existing health conditions. If you are involved in a High-Risk activity I work with several carriers, including Lloyd’s of London, who handle many high-risk life insurance cases. More information HERE

Burial Insurance / Final Expense Plans These are small whole life insurance plans that are designed to take care of the insured’s final expenses. Basic requirements are Age of Issue 50-85 and have at least Fair to Good health. Most carriers go up to $35,000 of coverage, some will go higher. Immediate Benefit plan means the entire face amount is in force once the insured has been approved. More information HERE

 Guaranteed Issue Life Insurance Plans For those 50-80 with a severe medical condition, a Graded / Guaranteed issue life insurance plan may be an option. Modified benefits for the first 24 months. More information HERE

Term Life Insurance The best Term life insurance can generally be found when looking for a Term Life Insurance plan that requires a noninvasive medical exam. These exams are of no cost to the applicant. These plans offer very high life insurance amounts with various terms. I also offer Whole Life also known as Permanent insurance. More information HERE

No Medical Exam Term Life Insurance If you need a policy in place quickly and are in good general health then a No Exam Life Insurance plan might be the best choice. I have a carrier that can offer underwriting decisions in about 10 minutes! They offer up to $350,000 of Term Life Insurance. Start the process by clicking HERE.

If you need higher amounts of coverage I do have a carrier that offers up to $499,000 of No Exam Term Life Insurance Coverage. 

Other plans available for Hawaii Residents: 

Life Insurance for those with a pre-existing health condition such as Diabetes, Overweight for Height, High Blood Pressure etc. If you are a Smoker (Or any Nicotine use including e-cigs and/or Vape systems, Chew or Cigars etc) we have several carriers that may offer standard rates so long as you do not have any other pre existing health conditions.

Through Peterson International, I am licensed to offer products from Lloyd’s of London.

High-Income Disability Insurance Plans – A variety of plans designed for those with higher incomes. Plans can fill the gap where your current plan may fall short.
Keyperson Insurance – For business owners or partners
International Term Life Insurance – US Citizens living abroad
High-Risk Activity InsuranceHigh-Risk activities and lifestyle

 


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