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.
By Tom Poblano – 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 want to provide localized service to handle the needs of our local residents.
Although I am licensed in most of the major US States, I also wanted to concentrate some of my efforts and offer plans that are specific to the State of Hawaii. 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 product lines that I offer are:
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.
Burial Insurance / Final Expense Plans – These are small whole life insurance plans that are designed to take care of the insureds final expenses. Basic requirements are Age of Issue 50-85, 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.
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. Read more 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.
Term Life Insurance - The best Term life insurance can generally be found when looking for a Term Life Insurance plan that requires a non invasive medical exam. These exams are of no cost to the applicant. These plans offer very high life insurance amounts with various terms.
Whole Life Insurance – These plans are designed to last the insured’s lifetime. High dollar amounts and the ability to customize plans for a set amount of years are some key features. These plans also require a non invasive medical exam that is of no cost to the applicant.
Speciality lines include:
Keyperson Insurance – For business owners or partners
International Term Life Insurance – US Citizens living abroad
High Risk Activity Insurance – High Risk activities and lifestyle
High Risk Health Insurance – Graded or Guaranteed Issue Life Insurance Plans – Modified benefits for the first 24 months
Disability Insurance for Professional Athletes – Additional benefits for professional athletes to cover costs in the event they are injured.